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商业银行金融创新与风险管理——基于中小企业融资需求视角 被引量:7

Financial Innovation and Risk Management of Commercial Banks Based on the Financing Needs of Small and Medium-sized Enterprises
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摘要 商业银行的金融创新对于扶持中小企业驶上倍增式发展的快车道具有重要意义,但脱离中小企业特性和风险管理实质的盲目创新反而会产生不利的负向循环。本文提出,商业银行合理的金融创新应该聚焦符合市场运行规则的中小企业,摒弃应景式的短期行为、关注全面的长效机制,以实质重于形式的风险管理为底层框架,形成创新举措和传统模式并存、互补的良性发展局面。
作者 周科
机构地区 中国银行总行
出处 《海南金融》 2018年第6期4-10,共7页 Hainan Finance
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