浅议优化商业银行“存贷比”指标的途径

On Optimization of Commercial Banks "Loan Ratio Index" Approach

当前监管环境下,商业银行如何依托各类业务创新优化自身的"存贷比"指标已成为各家银行关注的重点。本文在对存贷比监管指标的演进历程、部分上市银行的存贷比现状分析的基础上,结合当前各家银行主要业务动向,分别从存款、贷款和投行业务三个角度梳理归纳出同业存贷比优化的三个方面十种优化途径,并针对商业银行提出政策建议。

under the current regulatory environment, commercial banks how to rely on their own loan ratio indicator has become a focus of concern for banks to optimize the all kinds of business innovation. The in to deposit the evolution of regulatory indicators, part of the listed banks loan to deposit ratio than the status quo analysis based on, combined with the banks main business trends, respectively, three points of view from the deposits, loans and investment banking to tease summed up interbank loan than optimization of the three aspects of ten kinds of optimization ways and for commercial banks put forward policy recommendations