经济增长下行周期中商业银行的经营策略研究

Operation strategy for commercial banks in the economic down-cycle

本文指示,美国次贷危机只是导致全球经济增长下滑的导火索,本轮全球经济增长步入了周期性调整,其本质原因在于决定经济周期的三股核心力量发生了根本性的转折。面对宏观形势的变化,商业银行应认真审视各项业务面临的挑战,积极调整业务结构,采取多项应对措施,以经受经济周期性波动的考验。

The US subprime crisis is only the fuse of the global economic slowdown. Currently, global economic growth has stepped into cyclical adjustment, due to the fact that three core factors determining the economic cycle have altered fundamentally. In the face of these macroeconomic challenges, commercial banks should take flexible counter-measures to adjust business structures so as to stand the test of economic cyclical fluctuation.