新常态下商业银行运行中的问题与挑战

Problems and Challenges in the Operation of Commercial Banks under the New Normal

近年来,随着经济结构转型与调整的不断深入,我国商业银行所处的外部环境日趋复杂,经营管理压力不断加大。从总体情况看,风险水平尚处于可控范围,但在资产负债、资产质量、盈利能力和内部管理方面逐渐暴露出的一些趋势性问题,仍需引起广泛关注。在当前不确定性因素仍然较多、经济企稳尚待观察的情况下,本文提出要加强对金融风险的研判和预警,重点做好金融产品与服务创新、信贷风险把控、流动性风险防范、内部管理水平提升等方面的工作,以谋求今后的可持续发展。

In recent years, with the continuous deepening of the economic structure transformation and adjustment, the external environment of China＇ s commercial banks has become more and more complex, and the pressure of the operation and management has been increasing. From the overall situation, the risk level is still within the controllable range. But from the asset liability, asset quality, profitability and internal management, some trends have gradually exposed and should be paid a wide attention to. In the cur-rent situation that there are more uncertain factors, and the economic stabilization is still to be observed, the paper proposes to strengthen the analysis and early warning of financial risks and focus on such aspects as the financial product and service innovation, the control of credit risks, the prevention of liquidity risks, the advance of the internal management level to seek the sustainable devel-opment in the future.