银行业金融机构交叉金融业务调查研究--以重庆市为例

An Investigation on the Cross-financial Business of the Banking Industry in Chongqing

伴随我国经济的高速发展、金融体系的不断完善,一方面,市场主体的融资需求日益多元化;另一方面,各项监管政策又对市场融资行为形成约束。在此背景下,交叉金融业务应运而生,在显现出巨大的发展潜力的同时,也暴露了诸多风险隐患。重庆作为长江上游的金融中心,交叉金融业务近年来也获得了极大的发展。重庆银监局对辖内银行交叉金融业务情况进行调查研究发现,此类业务在一定程度上满足了客户个性化融资需求,拓宽了企业融资渠道,支持了实体经济发展;但其相当一部分实质上仍属于传统信贷领域,资金端、资产端多由发起行银行主导,并且大量资金借道流向限制行业。上述交易行为和结构表明,目前大部分交叉金融业务尚没有完成从形式创新到内涵创新的蜕变,业务风险并未有效降低。

With the rapid development of China＇s economy and the continuous improvement of the financial system, on the one hand, the financing demands of the market participants are increasingly diversified. On the other hand, the regulatory policies constrain the market financing behaviors. In this context, cross-financial business has emerged, but it also accumulated a lot of risks. In Chongqing, the financial center of the upper reaches of the Yangtze River, cross-financial business has developed greatly in recent years. The CBRC Chongqing Office conducted a survey, and found that cross-financial business, to a certain extent, is conducive to fulfill the personalized financial demands of clients, to broaden the financing channels for enterprises, and to support the development of the real economy. But a substantial part of cross-financial business still belongs to the traditional bank loan field; both the liabilities side and the assets side are led by the initiating bank; and a large amount of money flows into policy restrictive industries through this way. The transaction behaviors and structures show that, most of the current cross-financial business has not yet achieved true innovation, and the financial risk has not been effectively reduced.