CAJ | 학술논문

后危机时代,中国经济发展和经济政策出现了一些新的特征,这些变化了的特征构成了中国经济的“新常态”。金融业作为社会资金融通的主运行者,其服务对象和本身的发展也出现了新的情况,金融生态出现了新的特征。以中国银行业为例来探究“新常态”对中国金融生态环境产生的深刻影响,金融发展模式、经营风险特点、结构调整求方面都出现了新的特点,这些特点构成了新的金融生态环境。环境的变化必然会对金融领域内银行业的发展态势产生根本性影响。因此,中国金融业的发展也必须根据金融“新常态”作出新的战略性的调整,通过走节约化发展道路、全面风险管理以及持续性业务结构优化等措施的推行,以适应变化了的经济与金融的“新常态”,并最终推动经济的稳定发展。
후위궤시대,중국경제발전화경제정책출현료일사신적특정,저사변화료적특정구성료중국경제적“신상태”。금융업작위사회자금융통적주운행자,기복무대상화본신적발전야출현료신적정황,금융생태출현료신적특정。이중국은행업위례래탐구“신상태”대중국금융생태배경산생적심각영향,금융발전모식、경영풍험특점、결구조정구방면도출현료신적특점,저사특점구성료신적금융생태배경。배경적변화필연회대금융영역내은행업적발전태세산생근본성영향。인차,중국금융업적발전야필수근거금융“신상태”작출신적전략성적조정,통과주절약화발전도로、전면풍험관리이급지속성업무결구우화등조시적추행,이괄응변화료적경제여금융적“신상태”,병최종추동경제적은정발전。
In the post-crisis era, there appear some new characteristics in China＇s economic development and policy, which constitute the ＂new normal＂ of China＇ s economy. The financial industry is the main operator of social financing, and there appear some new conditions in its object of service and development. Therefore, there appear some new charac- teristics in financial ecology. Based on the case study of China＇s banking, the paper explores the profound impacts of ＂new normal＂ on financial ecological environment. There appear some new characteristics in financial development mode, business risk and structural adjustment, which constitute the new financial ecological environment. Changes in the environment will have fundamental effects on the development of banking in financial field. Therefore, as far as the development of China＇s financial industry is concerned, it is necessary to make new strategic adjustment to adapt to the economic and financial ＂new normal＂ and promote the stable development of economy through the economical development path, comprehensive risk management and sustainable optimization of business structure.