CAJ | 학술논문

在分析河南地方银行现状的基础上，借鉴其他经济体利率市场化的经验教训，提出河南地方银行应对策略。地方政府应成立跨部门的机构对利率市场化改革进行研判和指导，进行跨界统一监管和提升监管能力，通过大力发展合作金融组织、社区银行等破解融资贵问题，大力发展直接融资与资产证券化业务。地方银行应继续将服务小微企业、“三农”作为利润增长点而不是不切实际地开展中间业务，推动以客户为中心的商业模式转型，增加客户黏度和价值，处置不良资产，提升利率风险和流动风险管理水平等。
재분석하남지방은행현상적기출상，차감기타경제체리솔시장화적경험교훈，제출하남지방은행응대책략。지방정부응성립과부문적궤구대리솔시장화개혁진행연판화지도，진행과계통일감관화제승감관능력，통과대력발전합작금융조직、사구은행등파해융자귀문제，대력발전직접융자여자산증권화업무。지방은행응계속장복무소미기업、“삼농”작위리윤증장점이불시불절실제지개전중간업무，추동이객호위중심적상업모식전형，증가객호점도화개치，처치불량자산，제승리솔풍험화류동풍험관리수평등。
Based on an analysis of the present situation of Henan local banks, experiences and lessons are drawn from other economies regarding interest rate liberalization, the paper puts forward the corresponding strategies for Henan local banks. Local governments should set up cross-sector departments to analyze and guide interest rate liberalization reform, make regulation on a unified way and improve regulatory capability; try to solve the problem of high financing cost by vigorously developing cooperative financial organizations and community banks; and develop direct financing and asset securitization. Local banks should continue to serve for the SMEs, “agriculture, country-side and farmer” as a profit growth point, rather than unrealistically develop intermediary business; promote client-centered commercial model transition to highlight customer loyalty and value; dispose of non-performing assets; and raise management level in the interest rate risk and flowing risks, etc.