摘要
近年来,在复杂的外部环境和严格的信贷规模管控政策下,商业银行产品创新步伐不断加快,资金运作模式已完成了从相对单一的贷款主导模式向多元化模式的转变。本文结合我国银行业发展实际,梳理了商业银行资金运作模式变迁的动因,并基于经济理论和监管实践,分析了银行的逐利性、金融市场的平台作用、金融监管的助推效应三大因素对银行业务创新和资金运作模式变迁的作用机理。在此基础上,本文进一步分析了规范商业银行资金运作和产品创新的路径选择。
In recent years, with complex external environment and under strict credit-scale-control policies, commercial banks have more and more product innovations. Fund operation model has transferred from loan dominated model to diversified patterns. Based on the development of China＇ s banking sector, this paper studies the motivation of fund operation model changes and analyzes the role of the three major factors-the profit-driven nature of banks, financial markets, and financial regulation-with economic theory and a mathematical model. This paper further analyzes the different measures of regulating commercial banks＇ fund operations and product innovations.
出处
《金融监管研究》
2013年第4期1-21,共21页
Financial Regulation Research
关键词
资金运作模式
金融创新
金融监管
Fund Operation Model
Financial Innovation
Financial Regulation
