商业银行在后金融危机时代的发展策略

The Development Strategies of Commercial Banks in the Post-Financial Crisis Era

随着发达国家经济状况逐渐好转,由次贷危机(Subprim e Crisis)引起的百年一遇的金融危机正逐渐离我们远去。痛定思痛,回顾危机的起源和发展,作为金融支柱行业的商业银行能从中获取不少有益的经验和教训。严格约束资本金充足率,完善风险管理机制,稳健实施金融创新、提高资本利用率,是商业银行在后金融危机时代的发展策略。

With the gradual improvement of the economic situations of the developed countries,the financial crisis incurred by the subprime crisis,the only one in the past one hundred years,is gradually fading away.A study of its origin and development has much significance to commercial banks which are the key financial industry.The experience and lessons obtained from this financial crisis have helped produce the following strategies： the control of sufficient capital funds,the improvement of risk management mechanism,a gradual financial innovation and better capital utilization rate.