投资银行视角下对普惠金融发展的思考

Thoughts on the Development of Inclusive Finance from the Perspective of Investment Banks

现阶段,商业银行仅依靠传统的信贷工具,已难以满足普惠金融的融资需求。因此需要创新发展方式和合作模式,助推普惠金融业务前进。本文以投行业务为切入点,从灵活调整信贷资金投向、发挥金融服务中介优势、全面提升风险管理水平和助力企业走可持续发展道路等方面揭示了其在支持普惠金融方面的优势,并就商业银行开展投行业务扶持普惠金融发展,提出了具有针对性的对策建议。

At present,it is difficult for commercial banks to meet the financing needs of inclusive finance only rely on traditional credit instruments.Therefore,it is necessary to innovate the development mode and cooperation mode to promote the development of inclusive finance business.Based on investment banking as the breakthrough point,this paper from the flexible adjustment of credit money,giving full play to the advantages of financial service mediation,comprehensively enhance the level of risk management and help enterprise sustainable development support inclusive financial aspects reveals its advantage,and the financial development of commercial banks in investment banking support inclusive finance,and put forward the targeted countermeasures and Suggestions.