流动性过剩与中国商业银行的经营结构转型
2017-09-24 02:18
导读：金融论文毕业论文，流动性过剩与中国商业银行的经营结构转型论文样本，在线游览或下载，科教论文网海量论文供你参考：[内容摘要]中国商业银行存款相对贷款的显著过剩会降低其经营利润，也预示着
[内容摘要]中国商业银行存款相对贷款的显著过剩会降低其经营利润，也预示着可能发生的金融违约风险。克服流动性过剩对中国商业银行不利影响的关键包括两个方面：（1）银行自身需要从流动性和企业产能“双重过剩”的现实出发，调整存量和增量贷款的构成及规模，提高贷款风险防范能力，并改进严重依赖以利息收入业务为主体的传统经营方式，通过兼并重组、金融创新和同业合作等途径，实现金融服务和客户对象的多元化，形成特色经营。(2)改进商业银行的宏观经营环境，全面进行利率市场化改革，深度开放商业银行经营范围，切实增强国有商业银行的经营自主地位。 [关键词]存款过剩；非利差收入；利率市场化 Abstract: Considerable excess deposits over loans of Chinese commercial banks will decrease their operational profits and also foretells the possible financial default risks. Overcoming the negative effects of excess liquidity of Chinese commercial banks lies in the following two key factors: First, the banks should face the fact of “double excess”—excess liquidity of banks and excess productivity of firms, adjust the structure and scales of loan stocks and increments, improve ability to prevent loan risks, reform the traditional operation method that greatly relies on interest income business, and diversify financial services and clients by M
