金融脱媒背景下商业银行发展策略研究——以农业银行为例

Study on the Development Strategy of Commercial Banks in the Context of Financial Demediaization——Taking Agricultural Bank as an Example

目前,金融行业慢慢对外开放,我国金融体制逐步完善变革,有关政策方案的实施,出现金融脱媒的趋势,并且长时期的迅猛发展。金融脱媒看似简单,其背后却隐藏着一国经济的重要信息,特别是对我国商业银行发展有很大的影响,因此理解和研究是非常必要的。本文以农业银行为例,分析了金融脱媒产生的原因及其对农业银行产生的影响,借鉴其优秀的经验,提出了中国农业银行应对金融脱媒的可行策略和方法。

At present,the financial industry is opening slowly,the financial system in China is gradually perfecting and the implementation of relevant policies make a trend of financial disintermediation and develop rapidly for a long time.Financial disintermediation seemed to be simple,but it hides important information about a country's economy,especially the development of China's commercial Banks,so it is necessary to study it.Taking the Agricultural Bank of China as an example,this paper analyzes the causes of financial disintermediation and its impact on the Agricultural Bank of China and proposes feasible strategies for it to deal with financial disintermediation by learning its excellent experience.