| 利率市场化进程中我国中小银行的经营策略选择 |
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| 引用本文： | 王丽英,沈庆劼,王会强.利率市场化进程中我国中小银行的经营策略选择[J].商业经济与管理,2012,1(8):77-83. |
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| 作者姓名： | 王丽英 沈庆劼 王会强 |
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| 作者单位： | 1. 天津财经大学2. 河北软件职业技术学院 |
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| 基金项目： | 河北省高等学校科学研究计划重点项目“后金融危机时期河北省经济发展对策研究” |
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| 摘 要： | 文章在分析中小银行与大银行实力对比的基础上，研究了利率市场化的影响，即放开存款利率上限与贷款利率下限，为中小银行提出了针对利率市场化改革的策略选择：充分利用价格手段积极竞争，在短期以量补价，拓展有自身特色的中间业务；在长期逐步转型，紧紧抓住中小企业贷款业务，与非正规金融逐利；提前建设利率风险管理体系，加强信用风险管理。
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| 关 键 词： | 利率市场化 中小银行 中间业务 非正规金融 |
| 收稿时间： | 2012-03-16 |
The Strategy of Small and Medium-Sized Banks in the Process of Interest Rate Marketization in China |
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| WANG Li-ying
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SHEN Qing-jie
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WANG Hui-qiang.The Strategy of Small and Medium-Sized Banks in the Process of Interest Rate Marketization in China[J].Business Economics and Administration,2012,1(8):77-83. |
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| Authors: | WANG Li-ying SHEN Qing-jie WANG Hui-qiang |
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| Institution: | 1.University Journal Editorial Office,Tianjin University of Financial and Economic,Tianjin 300222,China; 2.School of Economics,Tianjin University of Finance and Economics,Tianjin 300222,China; 3.Hebei Software Institute,Baoding 071000,China) |
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| Abstract: | Based on the comparison of small and medium-sized banks with big banks,this paper studied the effect of the market-oriented interest rate,i.e.the unlocking of the ceiling on deposit rates and lending rates.This paper proposed strategies for small and medium-sized banks: make full use of price competition,and in the short term,make up for the loss of price with adequate volume,and develop special intermediate business.In the long-term of gradual transition,seize the small and medium-sized enterprise loan business,try to get profit from informal finance;advance the construction of the management system of interest rate risk,and strengthen credit risk management. |
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| Keywords: | interest rate marketization small and medium-sized banks intermediate business informal finance |
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