商业银行转型的双轨策略

发布时间：2018-02-15 21:37

本文关键词： 外在压力经济改革综合化经营负债结构信贷政策优化资产结构贷款利率流动性风险管理集中度收益风险 　出处：《中国金融》2017年10期 　论文类型：期刊论文

【摘要】：正转型对于商业银行来说是个历久弥新的课题,需要不断去研究去实践。改革开放以来,中国银行业在多方面取得了长足的发展,但在经济金融新常态下,转型发展的内在需求和外在压力更趋紧迫。如果从中国经济改革中汲取相关成功经验的话,那么上个世纪80年代中期实施的双轨制改革可以为我们探讨商业银行转型提供一个新的视角。双轨制是中国渐进式改革最重要的特征,其关键是固定存量,放开增量,从边际上引
[Abstract]:The positive transformation is a long-lasting topic for commercial banks, which needs to be studied and practiced constantly. Since the reform and opening up, China's banking industry has made considerable progress in many aspects, but in the new normal state of economy and finance, The internal needs and external pressures of the transformation and development are becoming more urgent. If we draw relevant successful experiences from China's economic reform, Well, the dual-track reform implemented in the middle of -20s can provide a new perspective for us to explore the transformation of commercial banks. The dual-track system is the most important feature of China's gradual reform, and its key is to fix the stock and open up the increment. From the margin
【作者单位】：南京银行发展规划部;
【分类号】：F832.33

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