借助资本市场发展我国商业银行的策略探讨

A Probe into Strategy of Using Capital Market to Develop Our Commercial Banks

商业银行与资本市场之间存在一种既竞争又融合的关系。本文首先分析了当前我国资本市场的发展现状,在此基础上重点讨论了资本市场的发展对商业银行构成的挑战和机遇:资本市场的发展分流了商业银行信贷客户和存款资金,使商业银行面临更大的经营风险和竞争压力;同时,资本市场的发展有利于商业银行负债业务、资产业务和表外业务的拓展、资产质量的改善和资产结构优化。作者最后提出了借助资本市场发展商业银行的具体策略,包括负债业务证券化、积极争取同业存款、创新信贷业务品种、大力拓展表外业务、信贷资产证券化、银行资本证券化、完善信息技术系统建议、加快人才培养和创新市场营销等。

Commercial banks and capital market are mutually competitive and mutually merging. An analysis is made of the current development of capital market in our country. Then discussion is focused on the challenge and opportunities that the development of capital market brings to commercial banks. The growth of capital market diverts credit customers and deposit capital from commercial banks, exposing the latter to greater operation risks and higher competition pressure. At the same time, capital markets helps commercial banks to conduct operation on borrowing and assets business and expand off-balance-sheet business as well as to upgrade assets quality and optimize assets structure. Finally, measures are proposed to use capital market to develop commercial banks, including measures to securitise operation on borrowing, to be proactive in absorbing interbank deposits and developing new products, to significantly expand off-balance-sheet business, securitise credit and banking assets, improve IT regime and speed up personnel training and innovations in marketing.[