CAJ | 학술논문

利率市场化进程的不断推进对商业银行传统经营模式和增长模式带来了冲击。城市商业银行应结合自身优势，坚持错位经营和差异化经营；强化成本管理，走精细化管理之路；全面构建风险管理体系；适时推进参股、控股、兼并收购战略，发挥规模效应；对照“好银行”标准加强内部管理，坚持内涵发展，通过不断提高自身核心竞争力应对利率市场化带来的冲击，实现健康可持续发展。
리솔시장화진정적불단추진대상업은행전통경영모식화증장모식대래료충격。성시상업은행응결합자신우세，견지착위경영화차이화경영；강화성본관리，주정세화관리지로；전면구건풍험관리체계；괄시추진삼고、공고、겸병수구전략，발휘규모효응；대조“호은행”표준가강내부관리，견지내함발전，통과불단제고자신핵심경쟁력응대리솔시장화대래적충격，실현건강가지속발전。
The interest marketization process has brought impacts on traditional business mode and growth mode of commercial banks. By associating with its advantages, city commercial banks stick to a differeat op-erational mode and strengthen cost management to construct a comprehensive risk management system. Com-mercial banks should follow the criteria of good bank to strengthen its internal management and stick to con-notation development to improve its core competitiveness against the tide of interest marketization and achieve healthy development.