商业经济与管理
商業經濟與管理
상업경제여관리
Business Economics and Administration
2012年
8期
77~83
,共null页
利率市场化 中小银行 中间业务 非正规金融
利率市場化 中小銀行 中間業務 非正規金融
리솔시장화 중소은행 중간업무 비정규금융
interest rate marketization; small and medium-sized banks; intermediate business; informal finance
文章在分析中小银行与大银行实力对比的基础上,研究了利率市场化的影响,即放开存款利率上限与贷款利率下限,为中小银行提出了针对利率市场化改革的策略选择：充分利用价格手段积极竞争,在短期以量补价,拓展有自身特色的中间业务;在长期逐步转型,紧紧抓住中小企业贷款业务,与非正规金融逐利;提前建设利率风险管理体系,加强信用风险管理。
文章在分析中小銀行與大銀行實力對比的基礎上,研究瞭利率市場化的影響,即放開存款利率上限與貸款利率下限,為中小銀行提齣瞭針對利率市場化改革的策略選擇：充分利用價格手段積極競爭,在短期以量補價,拓展有自身特色的中間業務;在長期逐步轉型,緊緊抓住中小企業貸款業務,與非正規金融逐利;提前建設利率風險管理體繫,加彊信用風險管理。
문장재분석중소은행여대은행실력대비적기출상,연구료리솔시장화적영향,즉방개존관리솔상한여대관리솔하한,위중소은행제출료침대리솔시장화개혁적책략선택：충분이용개격수단적겁경쟁,재단기이량보개,탁전유자신특색적중간업무;재장기축보전형,긴긴조주중소기업대관업무,여비정규금융축리;제전건설리솔풍험관리체계,가강신용풍험관리。
Based on the comparison of small and medium-sized banks with big banks, this paper studied the effect of the market-oriented interest rate, i. e. the unlocking of the ceiling on deposit rates and lending rates. This paper proposed strategies for small and medium-sized banks： make full use of price competition, and in the short term, make up for the loss of price with adequate volume, and develop special intermediate business. In the long-term of gradual transition, seize the small and mediumsized enterprise loan business, try to get profit from informal finance ; advance the construction of the management system of interest rate risk, and strengthen credit risk management.
