商业银行金融资产服务业务发展方略研究

近年来,随着利率市场化和金融脱媒的步伐加快,银行与客户之间直接借贷关系将逐渐弱化,通过金融市场直接配置经济资本的方式日益普遍,粗放资本经营方式会使商业银行的经营之路越走越窄。与此同时,由于社会财富的积累,人们金融资产持有量越来越大,金融需求也越来越呈现多元化。在此背景下,发展金融资产服务业务是适应现代金融发展趋势、实现商业银行经营转型的战略选择。本文阐述了金融资产服务业务这一概念的背景,分析了发展金融资产服务业务的意义,对中外银行金融资产服务业务发展情况进行比较,提出了我国金融资产服务业务发展的路径选择。

In recent years, with the accelerated pace of interest rate liberalization and financial disintermediation, direct lending rela- tionships between banks and their customers have been gradually weakening, configuring the economic capital directly through the financial market has become increasingly common, and the extensive capital management has narrowed the operation of commercial banks. Meanwhile, due to the accumulation of social wealth, holdings of the financial asset of people are in the progressive increase, and people＇ s financial needs are also increasingly diversified. Therefore, the development of financial asset service business has become the way to adapting to modern financial development trend, and also the strategic choice of commercial banks to operate in transition. This paper makes a comparison between the Chinese banks and foreign banks on the financial asset service business by presenting its concept background and its significance, and makes thorough discussions on the development path of the financial asset service business.