我国商业银行信贷业务快速扩张研究

Research into China's rapid expansion of commercial bank credit loan business

我国商业银行以信贷业务快速扩张为标志的传统业务发展方式不仅没有明显的转变,发展的势头反而更为强劲,不由自主地又步入和置身于选择中的困境,似乎正在和愈发偏离其战略转型的初衷和预期。因此,从实证上透视我国商业银行近两年来经营发展的基本态势,进而深入分析和充分揭示其信贷业务快速扩张的动因,继而准确审视和评估其未来发展所面临的风险,然后就如何步出选择中的困境提供应对的策略取向则是非常迫切和很有必要的。

The traditional business development mode, which is marked as rapid expansion of credit loan business of China＇s commercial banks, does not have obvious change but develops more rapidly, and automatically enters into the dilemma in the choice, and more and more deviates from the expected strategic reform way. The corresponding strategy for China＇s commercial banks to find how to get out of the dilemma in the choice can be attained by using empirical analysis of the basic situation of China＇ s commercial banks business development in recent two years, by analyzing and exposing the dynamic power of the credit loan business expansion and by accurately examining and evaluating the future risk in the development.