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长期以来,由于市场体系不健全,我国一直以间接融资为主,银行几乎垄断了整个社会的金融业务。随着社会主义市场经济体系的逐步发展,证券市场得到迅速发展,证券发行和交易规模迅速扩大,社会资金的分配渠道和流向发生了巨大变化,给商业银行信贷业务的发展带来了新的机遇和挑战。本文将探讨证券市场发展对银行信贷业务的影响,并提出银行信贷业务调整对策。
For a long time, due to the imperfect market system, China has been dominated by indirect financing. Banks have almost monopolized the financial services of the entire society. With the gradual development of the socialist market economic system, the securities market has been rapidly developed, the scale of securities issuance and trading has expanded rapidly, the distribution channels and flow of social funds have undergone tremendous changes, which have brought new opportunities for the development of commercial banks’ credit businesses And challenge. This article will explore the influence of the development of the securities market on the bank credit business and put forward the countermeasures for the bank credit business adjustment.