对基层银行交叉性金融业务发展及风险状况的调查与思考——以镇江市银行业为例

Investigation and Reflection on the Development and Risk of Cross Financial Business of Basic Banks

随着金融改革深化和创新业务发展,银行业金融机构交叉性金融业务快速发展,银行机构同业业务创新,与证券、保险、信托等金融机构实现不同程度的融合。这既丰富了基层银行机构的业务类型,也在一定程度上提高了基层银行机构的经营效益。但与此同时,其中隐藏的风险也值得关注。

With the deepening of financial reform and the development of innovative businesses,the interconnected financial businesses of banking institutions are developing rapidly,and the interbank business innovation of banking institutions has achieved different degrees of integration with financial institutions such as securities,insurance and trust.This not only enriches the business types of the grass-roots banking institutions,but also improves the operating efficiency of the basic bank institutions to a certain extent.But at the same time,the hidden risks are also worth paying attention to.