金融脱媒背景下的商业银行核心功能创新与功能结构优化研究

Research on Commercial Bank's Core Functional Innovation and Functional Structure Optimization Under the Background of Financial Disintermediation

金融脱媒是指金融非中介化,即金融交易跳过传统金融系统中的金融中介,由交易双方直接进行金融交易的形式。造成金融脱媒的因素有很多,如经济金融化、技术水平的长足发展以及资金快速流通等。金融脱媒背景下,商业银行面临经营利润下滑、金融市场规模缩小以及利差收入下降等问题。这对商业银行的日常经营和长足发展提出了新的挑战,商业银行需要对其核心功能进行创新,对其在金融市场上的功能和作用进行优化。商业银行应在坚持原有业务的基础上,结合当前资本市场的热点和发展潮流,扩大业务范围,降低交易成本,提高资金配置效率。

Financial disintermediation refers to financial transactions to skip the traditional financial system of financial intermediation, trading parties directly participate in financial transactions. Financial disintermediation is caused by many factors, such as economic financing, technical development and capital rapid circulation. Commercial banks now face many problems, such as operating profit decline, the size of the financial market decrease and interest income downward under the macro background of financial disintermediation. New challenges are proposed for the daily operation and the rapid development of the commercial banks, they need to innovate the core features and optimize the financial function. Relevant suggestions are put forward： the commercial banks should based on present foundation, combined the features of capital market and development tend, expand the business, lower the transaction cost and rise the efficiency of capital allocation.