摘要
随着我国新型城镇化进程的快速推进,国家金融需求结构正发生着深刻变革,这给以国有五大商业银行为代表的商业银行集团带来了新的机遇和挑战。本文从我国新型城镇化建设中的金融资源供应现状和商业银行集团业务运作情况出发,从基于"PPP/PFI"模式的结构性融资产品创新、专项投资基金产品创新和个人金融产品创新三个方面研究了与我国新型城镇化进程需求相适应的商业银行集团金融产品创新路径,在此基础上提出了搭建系统性金融供应体系、实现国有和民营金融资本的有序参与、提升对创新产品的风险管控能力等金融产品创新建议与实施方案。
In process of China' s new type urbanization with high speed,the structure of the country' s financial demand is undergoing profound changes,which brings the new opportunities and challenges to the Commercial Banking Groups,represented by the five state-owned commercial banks.This paper starts from the financial resource supply situations and the operations of the Commercial Banking Groups in process of the new type urbanization,studies the Commercial Banking Groups financial product innovation path adapt to the requirement of the new type urbanization construction from three aspects,which are'PPP/PFI'financing model of product innovation,special investment funds product innovation and personal financial product innovation. Based on the study,the paper proposes the specific advices and implementations of the financial product innovation such as building systemic financial supply system,achieving state-owned and private financial capital orderly participation,enhancing capabilities of the risk management and controlling of the innovative products.
出处
《中南财经政法大学学报》
CSSCI
北大核心
2013年第6期69-73,160,共5页
Journal of Zhongnan University of Economics and Law
关键词
新型城镇化
商业银行集团
金融产品创新
New Type Urbanization
Commercial Banking Groups
Financial Product Innovation
