“金融脱媒”背景下的商业银行发展战略

随着“金融脱媒趋势的不断发展,商业银行赖以生存发展的基础和环境也发生了重大变化,证券市场将成为资源配置、财富管理和风险管理的重要场所。在金融脱媒的大趋势下,商业银行如何把握证券市场发展的历史机遇,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出发,提出一些优化策略,这对研究我国商业银行的经营策略的选择具有一定的启发、借鉴作用。

With the development of ＂ financial disintermediation＂, the foundation and the enviorment that commercial banks relies on for existence have changed a lot, the stock marketis to be the center of resources management, wealth management and risk control. With the trend develops, what measures should commerical banks take to face challenges is the keypoint. This article stands on the background of ＂ financial disintermediation＂ ,tries to put forward some excellent strategies,so it will do a great favor for commercial banks ,especially when they make decisions.