以创新带动传统信贷业务市场拓展

本文通过分析当前国内金融市场现状并借鉴国外金融市场发展经验,认为银行传统信贷业务仍然具有良好的发展前景,在未来一定时期内仍将是企业融资的主渠道,是银行开展其他金融服务的基础和平台,并且结构将适应经济结构变化不断优化.针对近年来银行传统信贷发展面临的资本约束、金融脱媒和利率市场化等冲击,提出了以创新手段带动银行传统信贷业务和市场拓展的观点,即以理念创新重新定位传统信贷业务市场,以价格创新应对资本约束和利率市场化,以科技创新优化传统信贷发展模式,以产品创新和流程创新解决传统信贷难点,以营销创新推动信贷市场拓展,以手段创新加强信贷风险管理.

Expanding Traditional Credit Market through Innovation

Based on an analysis of current financial market with reference to the experience of foreign financial market, this paper believes that the prospect of traditional banking credit business still looks promising and will remain the major source of fund for enterprises for some time to come. As a base and platform for banks to provide other financial service, traditional banking credit business will be constantly optimized to cater to economic structural changes. In view of the shock from capital constraint, financial disintermediation and rate marketization sustained banks in developing traditional credit business in recent years, the paper proposes that innovation be used to promote traditional banking credit business and market expansion. Specifically speaking, use conceptual innovation to redefine market position, use product innovation and business flow to solve problems in traditional credit and use marketing innovation to expand credit market and use instrumental innovation to strengthen credit risk management.