摘要
随着我国市场经济改革的逐步深入,利率市场化已成为大势所趋。如何积极应对由此带来的一系列挑战,已成为当前中小商业银行实现可持续发展的迫切需求。本文基于我国中小商业银行发展现状,并借鉴其他国家利率市场化相关改革实践,系统分析了利率市场化后我国中小银行可能面临的风险,并通过与大型银行的优劣势对比,提出了相应的对策建议。
With the gradual deepening of the reform of China＇s market economy, the interest rate liberalization has become a trend. How to actively cope with the resulting series of challenges has become an urgent need for small and medium-sized commercial banks to achieve sustainable development. Based on the current situation of small and medium-sized commercial banks, and combined with related international practice, this article systematically ana- lyzed the potential threats to China＇ s small and medium banks after interest rate liberalization. By the advantages and disadvantages compared with large banks, this paper puts forward the corresponding countermeasures and suggestions as conclusion.
出处
《金融发展研究》
2013年第1期55-58,共4页
Journal Of Financial Development Research
关键词
利率市场化
中小商业银行
中小企业
interest rate liberalization, small and medium-sized commercial bank, SMEs
