宏观调控下的商业银行经营战略

Operation Strategy of Commercial Bank under the Macroscopic Control

宏观调控是政府运用经济政策、经济法规、计划指导和必要的行政手段调节国家经济的一整套运作过程。商业银行是国家进行宏观调控的一个重要载体,承担着重要的作用;宏观调控也必然对商业银行的风险管理带来变化,如使区域风险变化,企业风险增加,中小企业经营风险增加,个人按揭贷款质量风险增加等。总的来说,在宏观调控下,商业银行可以实施精细化管理;实行有效的资产经营策略;大力发展个人资产业务;审慎拓展投资业务;实施有效的负债经营策略;大力发展中间业务等经营战略。

Macroscopic control is the operational process that government uses economic policies, economic laws, planning instruction and necessary administrative methods to regulate the national economy. As an important carrier under national macroscopic control, commercial bank plays an important role in the macroscopic control which will lead inevitably to the change in the risk management of commercial bank, such as regional risk changes, the increase of enterprise＇ s risk, operation risk of small-and-medium-sized enterprises and quality risk of personal mortgage loans, and so on. Generally speaking, under macroscopic control, commercial bank can implement sophisticated management and effective asset management strategy, prudently expand investment service, implement effective debt management strategy, and vigorously develop personal assets business and intermediary business.