金融脱媒背景下中国商业银行业务转型策略研究

Research on Business Transformation Strategy of Chinese Commercial Bank under the Background of Financial Disintermediation

随着利率市场化改革的推行和金融市场环境的变化,金融脱媒的程度日益显著,使商业银行的传统经营模式受到了巨大的冲击。阐述了金融脱媒概念的发展以及我国金融脱媒的原因,随后分析了金融脱媒对于商业银行的影响,在此基础上,提出了在业务转型角度我国商业银行应对金融脱媒的对策。

With the implementation of the Interest rate marketization reform,the degree of financial disin-termediation is getting increasingly significant,which has a tremendous impact on the traditional business model of commercial banks.Firstly,this paper expounds the concept of financial disintermediation and the causes of finance disintermediation.Then it further analyzes the influence of financial disintermediation for commercial banks.Finally the author puts forward relevant countermeasures in terms of business transfor-mation in response to the financial disintermediation,with an aim to offer some reference for the choice of Chinese commercial banks＆#39;strategy.