我国银行业主动性缺失问题研究

Study on the Shortage of Activeness of China’s Commercial Banks

我国银行体制改革明确了银行债务资金的低位性质 ,贷款安全性和可偿还性被放在首位 ,但同时也造成了银行债务资金的被动性 ,银行业主动性缺失问题严重。为此 ,应逐步推进银行兼业经营、针对不同信息类型开发多种贷款技术、逐步实现利率自由化和产品自由化。

The nature of low rate capital loan is emphasized in our country’s financial system reform. The priorities are the safety of loan and the possibility of pay back. At the same time, it brings about problems like passiveness of financial capital loan and the shortage of activeness of financial industry. Therefore, it’s vital to promote different loan techniques and develop a variety of products.