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| 从紧货币政策下商业银行中间业务创新与信贷风险管理 | |
| 引用本文： | 杜红权,郑备军,彭超英.从紧货币政策下商业银行中间业务创新与信贷风险管理[J].河南金融管理干部学院学报,2008,26(2):66-70. |
| 作者姓名： | 杜红权 郑备军 彭超英 |
| 作者单位： | 1. 浙江工商学院,浙江,宁波,315012 2. 浙江大学,经济学院,浙江,杭州,310027 3. 中国农业银行,宁波分行,浙江,宁波,315010 |
| 摘 要： | 中央经济工作会议明确提出2008年实施从紧的货币政策，是中国近10年来首次提出货币政策由“稳健”转为“从紧”，这对国内商业银行以存贷款利差为主的传统盈利模式必将带来严重挑战，同时，也为商业银行开展中间业务创新提供了契机。商业银行开展中间业务创新不仅能够拓展自身新的利润增长点、提高资产收益率和资本收益率，更重要的意义在于通过中间业务增强对信贷对象及其经营业务的了解，加强对信贷全过程各环节的监督、约束，从而有效地防范和化解信贷风险。 |
| 关 键 词： | 商业银行 中间业务 信贷风险 |
Commercial Banks' Intermediary Services Innovation and Credit Loan Risk Management under the Tightened Monetary Policy |
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| DO Hong-quan,ZHENG Bei-jun,PENG Chao-ying.Commercial Banks' Intermediary Services Innovation and Credit Loan Risk Management under the Tightened Monetary Policy[J].Journal of Henan College of Financial Management Cadres,2008,26(2):66-70. | |
| Authors: | DO Hong-quan ZHENG Bei-jun PENG Chao-ying |
| Institution: | DU Hong-quan1,ZHENG Bei-jun2,PENG Chao-ying3(1.Zhejiang Institute of Industry & Commerce,Ningbo,Zhejiang 315012,China,2.Economics College,Zhejiang University,Hangzhou,Zhejiang 310027,3.Ningbo Branch,the Agricultural Bank of China,Zhejiang 315010,China) |
| Abstract: | The Central Economy Work Conference has indicated that a tightened monetary policy will be implemented in 2008.It's the first time in recent the decade to propose the monetary policy changing from conservative to tightened.This will bring serious challenges for the traditional profitability model mainly consisting of interest difference between deposit and loan for domestic commercial banks.Meanwhile,it will offer opportunity for commercial banks to make intermediary services innovation.Intermediary service... |
| Keywords: | commercial bank intermediary services credit loan risk |
| 本文献已被 CNKI 维普 万方数据 等数据库收录！ | |