摘要
本文针对目前银行所谓的"资产配置荒"进行深入探究,以信贷配给的理论基础分析其背后原因。对此,本文进一步提出商业银行必须从资金来源和资金运用两端同步着力,注重资产配置的合理性、灵活性和流动性。
The article explored the current situation of bank's asset allocation shortage, and analyzed the reason by applying the credit rationing theory. The article came to the conclusion that commercial bank should respond to this situation simultaneously from funding sources and fund application, focusing on reasonable and flexible allocations that ensure adequate liquidity.
出处
《金融市场研究》
2015年第12期45-51,共7页
Financial Market Research
关键词
银行
资产配置
信贷配给
bank
asset allocation
credit rationing
