运用RAROC优化商业银行零售信贷业务管理
发布时间：2019-03-08 20:14
【摘要】："十二五"规划明确提出要稳步推进利率市场化改革,同时伴随着金融脱媒推进,资本约束加强,具有市场广大、低资本消耗特点的零售信贷业务正愈发受到国内各家商业银行的青睐,零贷业务的发展状况已成为商业银行可持续发展能力的重要标志。本文将从RAROC工具视角出发,尝试提出优化商业银行零售信贷经营管理的方法与路径。
[Abstract]:The 12th five-year Plan clearly proposes to steadily promote the market-oriented reform of interest rates. At the same time, along with the advancement of financial disintermediation and the strengthening of capital constraints, there is a broad market. Retail credit business with low capital consumption characteristics is increasingly favored by domestic commercial banks, and the development of zero loan business has become an important symbol of the sustainable development ability of commercial banks. From the perspective of RAROC tools, this paper attempts to put forward the methods and ways to optimize the retail credit management of commercial banks.
【作者单位】： 交通银行零售信贷管理部;
【分类号】：F832.4;F721
，
本文编号：2437168
[Abstract]:The 12th five-year Plan clearly proposes to steadily promote the market-oriented reform of interest rates. At the same time, along with the advancement of financial disintermediation and the strengthening of capital constraints, there is a broad market. Retail credit business with low capital consumption characteristics is increasingly favored by domestic commercial banks, and the development of zero loan business has become an important symbol of the sustainable development ability of commercial banks. From the perspective of RAROC tools, this paper attempts to put forward the methods and ways to optimize the retail credit management of commercial banks.
【作者单位】： 交通银行零售信贷管理部;
【分类号】：F832.4;F721
，
本文编号：2437168
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