银行理财产品快速发展对货币信贷政策影响探析——基于吉林省的调查与思考

The Product Managing Money Matters Develops a Bank Rapidly Exploring Xi to Currency Credit Policy Effect——Jilin Province based Investigation and Thinking

近年来,我国银行理财产品业务快速发展,跨行业、跨市场的理财产品日益丰富。银行理财产品的发展,造成了货币政策和信贷政策传导和执行的效率降低、融资规模调控难度加大、产品募集期与投资期限错配导致金融系统流动性风险上升,混业交叉投资导致监管难度加大等诸多问题。本文以吉林省为例,对吉林省银行理财产品及表外业务发展总体状况对货币信贷政策影响进行分析,进而提出加强对理财产品监管,提高货币政策有效性的政策建议。

In recent years, our country bank speedy product business development cross-frontier, across marketplace managing money matters managing money matters the product is gradually rich. Bank development of the product managing money matters, the efficiency having brought about monetary policy and the credit policy conduction sum implementation is reduced, is finance scale the degree of difficulty regulating and controlling enlarges, the product collects scheduled time and the risk investing in time limit mi pairing leading to finance system ability rises, the degree of difficulty thoughtlessly already to invest leading to inspection enlarges waiting for a lot of problems. The main body of a book is saved with Jilin for the example, total business development situation carries out analysis on currency credit policy effect outside the product and form managing money matters to Jilin province bank, the policy bringing forward a sharpening to the product inspection managing money matters, improving monetary policy validity suggests and then.