摘要
金融科技的发展不仅对传统商业银行的业务内容进行挑战,还将影响货币政策的制定、实施和传导。本文梳理分析了金融科技搭建的五种银行情景,评估了它们对银行业及传统货币政策框架的潜在影响,提出相应的政策建议。
China is a bank-led economy,and credit channels are an important way for current monetary policy transmission.The development of Fintech not only challenges the business content of traditional commer-cial banks,but more importantly,the development of Fintech(financial technology)will affect the formulation,implementation and transmission of monetary policy.This paper considers five scenarios and assesses their potential impact on the banking industry and traditional monetary policy frameworks,and proposes corresponding policy suggestions.
作者
张怡萍
Zhang Yiping(Xi'an Branch of PBC,Xi'an,710075)
出处
《西部金融》
2019年第8期84-88,共5页
West China Finance
关键词
金融科技
银行业
货币政策
financial technology
monetary policy
transmission
challenges
