摘要
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'strategy.
出处
《淮海工学院学报(人文社会科学版)》
2014年第7期80-82,共3页
Journal of Huaihai Institute of Technology(Humanities & Social Sciences Edition)
关键词
金融脱媒
商业银行
业务转型
financial disintermediation
commercial bank
business transformation