摘要
随着利差收窄,负债端成本上升和“一带一路”推进,同时为实现资金脱虚向实,支持中小微企业,交易银行成为银行发展趋势。交易银行要求在理念上由以产品为中心转到以客户为中心,在结构上对银行现有架构等进行有效整合。本文从交易银行产生背景、国内外交易银行发展情况出发,分析了目前存在的问题并对未来发展思路进行了探索。
As the narrowing of interest gap, growing cost of liabilities, pushing of “One Belt & One Road”, and also in order to support the real economy and small and micro businesses, transaction banking will be the trend of commercial banks. Transaction banking focuses on clients instead of products and requires reshape commercial bank’s structure. This article analysises the background of transaction banking business and situation of its development at home and abroad, then points out the problems it faces and explores its future development.
出处
《吉林金融研究》
2019年第7期17-21,共5页
Journal of Jilin Financial Research
关键词
交易银行
生态思维
整合
Transaction Banking
Ecological Thinking
Integration
