金融脱媒对我国商业银行经营策略的影响

金融脱媒对我国商业银行经营策略的影响
摘 要

随着全球金融体系的演进，尤其是便利直接投融资的股权和债权产品市场的发展，金融脱媒已经成为一种必然的趋势。这种趋势对商业银行的发展具有深远的影响。由于我国商业银行经营环境的不断变化，金融脱媒的态势也日益显现，对我国商业银行来说这既是一种挑战，又是一个重要的机遇。我国商业银行如何把握历史的机遇，主动应对金融脱媒带来的现实挑战是当前应重点研究的问题。本文正是立足于这一背景，试图从我国商业银行目前经营中所面临的挑战和机遇出发，提出一些优化策略，建议商业银行应该积极融入到金融体系的发展进程中去，通过转变经营观念并更新理念，适当调整业务经营模式，拓展银行中间业务的发展，加强金融产品的创新，调整和改善客户结构，并同时提高风险管理，以此来实现银行自身的健康持续发展。
【关键词】 金融脱媒   商业银行   经营模式   金融创新

The   influences   of   financial   disintermediation
on   the  strategy  of  domestic  commercial  banks

Abstract

With the evolution of global financial system，especially the enrichment of financial instruments of equity and debt, the financial disintermediation has become a tendency．This kind of tendency has an important influence on the core businesses and management of commercial banks. Owing to the commercial banks operating environment changes greatly，the financial disintermediation becomes increasingly off. As for our domestic commercial banks，the financial disintermediation is not only an challenge，but also an opportunity. What measures should commercial banks take to face challenges is the key point. This paper stands on the background of financial disintermediation ，tries to put forward some excellent strategies ，that the commercial banks should actively integrate themselves into the financial system development. The banks should change and update their management concepts ，adjust their business models and strategy appropriately，expand the intermediary business development， strength the innovation of financial products，renew the structure of the custom，at the same time，improve the risk management. Only in that way，can the banks develop healthily and strongly.
【Key words】 financial  disintermediation； commercial  bank；   business  strategy；
financial  innovation

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