经济调整对中国商业银行经营的影响及对策研究

Influence of Economic Adjustment on Chinese Commercial Banks' Operation and the Counter-measures

2008年以来,在由美国次贷危机引发的全球金融危机影响下,中国经济已进入调整周期,这对商业银行的经营带来了许多影响。本文首先分析了未来中国宏观经济的发展趋势,认为此次经济调整在短期内难以结束;在此基础上,根据经济调整所引起的国家宏观政策的变化,深入剖析了造成商业银行经营不利影响的三个主要因素:净息差收窄、中间业务收入增速减缓和信贷资产质量下降;最后,本文提出中国商业银行应对宏观经济调整的四个建议:强化资产负债精细化管理、拓宽中间业务收入渠道、坚持特色定位和品牌经营、加强风险预警。

Since 2008, suffering from the global financial crisis, China＇s economy has entered the adjustment period, which makes significantly influence on commercial banks＇ operation. The paper first analyzes the development trend of China＇s economy in future and points out that the economic adjustment is hard to terminate in a short term. According to the changes of macro-economic policy resulting from the economic adjustment, the paper deeply scrutinizes three main factors negatively affecting commercial banks＇ operation, which are the shrinkage of net interest spread, the slowing growth of intermediary business income and the decrease of credit asset quality. The paper proposes four suggestions for Chinese commercial banking to handle the economic adjustment as follows： enhancing the sophisticated management of assets and liabilities, broadening the channel of intermediary business income, persisting the unique market positioning and brand operation, and paying attention to risk warning.