有效信贷需求不足与商业银行经营战略选择

Inadequate Demand for Effective Credits and Choice of Operation Strategies by Commercial Banks

近年来,我国商业银行面临有效信贷需求不足的经营困境,本文从金融系统风险配置角度对有效信贷需求不足的原因进行了分析,认为金融风险的非均衡配置及商业银行关系型信贷技术的缺失是出现有效信贷需求不足的重要原因。本文还相应提出了商业银行的经营战略选择,包括实施混业经营战略,努力提高银行信贷资金运用的主动性;将支持中小企业作为新的信贷增长点,稳步实施中小企业贷款战略;构建我国私人银行业务体系,积极开拓消费信贷市场等。

Recent years have seen our commercial banks strait-jacketed by inadequate demand for effective credit. In the present paper, the cause of such inadequacy is analyzed from the perspective of financial risk allocation. It is found that unbalanced financial risk allocation and the lack of relation-based credit techniques on the part of commercial banks are chief contributory factors to such inadequacy. Therefore, strategic choices are proposed for commercial banks to pursue a mixed operation, encourage banks to actively utilize credit capital, set SMS enterprises as a driver of new credit growth, steadily implement the strategy of extending credit to SMS enterprises, establish a private banking business system and actively open up consumer credit market.