论文部分内容阅读
近年来,我国对利率市场的改革速度逐渐加快,而在改革的同时,对我国商业银行的发展带来了巨大影响。本文根据以往工作经验,对利率市场化对商业银行带来的挑战进行总结,并从加大中小微企业和高新技术行业的信贷投放、加快表外业务和中间业务的发展、确定市场定位和差异化发展路线等四方面,论述了商业银行在应对利率化市场时的有效对策。
In recent years, the pace of China’s reform of the interest rate market has been gradually accelerated, while at the same time of reform, it has brought tremendous influence on the development of China’s commercial banks. Based on past work experience, this paper summarizes the challenges brought by commercialization of interest rates to commercial banks and accelerates the development of off-balance sheet business and intermediary business from the perspective of increasing the credit of small, medium and large-sized and micro-enterprises and high-tech industries, confirming the market positioning and differences The development route and so on, discusses the effective countermeasures of commercial banks when dealing with the market of interest rate.