对银行业供给侧结构性改革的思考

发布时间：2018-01-26 11:52

本文关键词： 供给侧改革银行业发展　出处：《宏观经济管理》2017年05期 　论文类型：期刊论文

【摘要】：新常态下,在经济保持快速增长、资金存量巨大的金融环境下,我国政府积极推动的供给侧结构性改革将给我国的银行业带来诸多发展机遇和严峻挑战。就发展机遇而言,银行业供给侧结构性改革将为银行信贷结构的调整带来机会,扩大商业银行的优质资产存量,加速银行业资产证券化的进程;就挑战而言,银行业供给侧改革将会缩小金融资产规模扩张的空间,提高银行主营业务的成本,加大行业内部管理的风险,影响网络金融技术优化和升级的步伐。银行业必须创新银行产品的种类,纠正过去金融资源配置不均衡的弊端,充分理解新常态下的客户需要,持续优化商业银行的管理水平,不断提高核心竞争力。
[Abstract]:Under the new normal, in the financial environment where the economy keeps rapid growth and the stock of funds is huge. The supply-side structural reform actively promoted by our government will bring many development opportunities and severe challenges to our banking industry. The supply-side structural reform of the banking industry will bring opportunities for the adjustment of the credit structure of banks, expand the stock of high-quality assets of commercial banks, and accelerate the process of securitization of banking assets. As far as the challenge is concerned, the supply-side reform of the banking industry will reduce the scope for the expansion of financial assets, increase the cost of the main business of the bank, and increase the risk of internal management in the industry. The banking industry must innovate the types of banking products, correct the malpractice of unbalanced allocation of financial resources in the past, and fully understand the customer needs under the new normal. Continue to optimize the management level of commercial banks, constantly improve the core competitiveness.
【作者单位】：中国人民大学国际学院;
【分类号】：F832.1
【正文快照】： 图1 2016年各行业不良贷款占比数据来源:中国经营报。一、银行业实施供给侧改革的必要性与可行性改革开放以来,我国政府的调控方法、企业运行机制、市场运行方式等在推动经济和社会发展的过程中发挥了重要的作用。但是,负效应也在逐渐凸显:强刺激的边际效率递减,原有的高增长

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