本文關鍵詞： 外在壓力 經(jīng)濟改革 綜合化經(jīng)營 負債結構 信貸政策 優(yōu)化資產(chǎn)結構 貸款利率 流動性風險管理 集中度 收益風險 　出處：《中國金融》2017年10期 　論文類型：期刊論文

【摘要】：正轉型對于商業(yè)銀行來說是個歷久彌新的課題,需要不斷去研究去實踐。改革開放以來,中國銀行業(yè)在多方面取得了長足的發(fā)展,但在經(jīng)濟金融新常態(tài)下,轉型發(fā)展的內(nèi)在需求和外在壓力更趨緊迫。如果從中國經(jīng)濟改革中汲取相關成功經(jīng)驗的話,那么上個世紀80年代中期實施的雙軌制改革可以為我們探討商業(yè)銀行轉型提供一個新的視角。雙軌制是中國漸進式改革最重要的特征,其關鍵是固定存量,放開增量,從邊際上引
[Abstract]:The positive transformation is a long-lasting topic for commercial banks, which needs to be studied and practiced constantly. Since the reform and opening up, China's banking industry has made considerable progress in many aspects, but in the new normal state of economy and finance, The internal needs and external pressures of the transformation and development are becoming more urgent. If we draw relevant successful experiences from China's economic reform, Well, the dual-track reform implemented in the middle of -20s can provide a new perspective for us to explore the transformation of commercial banks. The dual-track system is the most important feature of China's gradual reform, and its key is to fix the stock and open up the increment. From the margin
【作者單位】： 南京銀行發(fā)展規(guī)劃部;
【分類號】：F832.33

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