美国商业银行经营战略转型中的贷款交易研究与启示

论文从深入分析贷款交易发展对美国商业银行经营战略转型的积极作用入手,指出美国贷款交易从经营收入、业务结构、经营理念和促进银行市场分工及战略定位等多方面促进了美国商业银行的经营战略转型.在此基础上,作者重点分析了贷款交易与我国商业银行经营战略转型的关系,认为我国商业银行应借鉴美国经验,加强对贷款交易业务的开发,通过规范化的交易流程和标准化的交易产品,逐步推动和实现商业银行贷款二级市场的发展,以促进商业银行的战略转型.

The Loan Trade in American Commercial Banks' Strategic Transformation and Its Implications

Beginning with the analysis on the roles that the loan trade played in American commercial banks' trategic transformation,the paper demonstrates that the loan trade furthered their strategic transformation by improving their operation income,business structure,operating notion,market segmentation and strategic positioning. On this basis,the paper focuses on the relationship between the loan trade and Chinese commercial banks' strategic transformation and proposes that Chinese commercial banks should draw on...