“钱荒”背景下城市商业银行多元化战略研究
发布时间：2018-11-23 13:15
【摘要】："钱荒"是流动性不足的通俗说法,我国的银行业在2013年6月份以来的"钱荒"中暴露了自身的缺陷:没有政府支持的银行难以应对流动性不足,而政府支持又造成经济转型战略目标无法实现。为了保证银行业自身的发展,央行对于审慎的金融机构释放了部分流动性,主要是工商银行、民生银行等大型银行,作为中小型银行代表的城市商业银行因为其影响面小等原因难以获得央行的政策性支持。在此背景下,城市商业银行该实施何种战略才能避免、应对"钱荒"等类似问题的发生,从而健康有效地发展呢?多元化战略平衡发展可以为城市商业银行提供一条发展思路。
[Abstract]:"money shortage" is a popular term for lack of liquidity. Our banking industry has exposed its own shortcomings in the "money shortage" since June 2013: banks without government support have been unable to cope with the lack of liquidity. But the government support causes the economic transformation strategy goal to be unable to realize. In order to ensure the development of the banking industry itself, the central bank has released some liquidity to prudent financial institutions, mainly large banks such as ICBC, Minsheng Bank and so on. As a representative of medium and small banks, urban commercial banks are difficult to obtain policy support from the central bank because of their small influence. In this context, what strategies should be implemented by urban commercial banks to avoid the occurrence of similar problems, such as "money shortage", so as to develop healthily and effectively? The balanced development of diversification strategy can provide a way of development for city commercial banks.
【作者单位】： 西南财经大学会计学院;浙江金融职业学院;
【基金】：浙江省金融教育基金会课题“浙江省区域性潜在金融风险成因、对策研究”(2012Y24)阶段性成果
【分类号】：F832.33
[Abstract]:"money shortage" is a popular term for lack of liquidity. Our banking industry has exposed its own shortcomings in the "money shortage" since June 2013: banks without government support have been unable to cope with the lack of liquidity. But the government support causes the economic transformation strategy goal to be unable to realize. In order to ensure the development of the banking industry itself, the central bank has released some liquidity to prudent financial institutions, mainly large banks such as ICBC, Minsheng Bank and so on. As a representative of medium and small banks, urban commercial banks are difficult to obtain policy support from the central bank because of their small influence. In this context, what strategies should be implemented by urban commercial banks to avoid the occurrence of similar problems, such as "money shortage", so as to develop healthily and effectively? The balanced development of diversification strategy can provide a way of development for city commercial banks.
【作者单位】： 西南财经大学会计学院;浙江金融职业学院;
【基金】：浙江省金融教育基金会课题“浙江省区域性潜在金融风险成因、对策研究”(2012Y24)阶段性成果
【分类号】：F832.33
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