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本文写成于银行业发展“严冬”的2015年底至2016年中,银行业发展面临经济增长“新常态”、经济下行压力加大、利率市场化挑战的多重困境,而银行业本身受限于体制机制转型困难。笔者供职于天津地区金融相关部门,认为在新形势下,以商业银行为代表的传统金融虽然与资本市场有一定竞争关系,但可以重新审视自身发展战略,利用中国正在日臻成熟的资本市场,缓解日益严重的资本和盈利能力压力。
This article was written in the banking industry’s development from the “winter” to the mid-2015 and the banking industry faces the multiple dilemmas of economic growth, the “new normal”, the downward pressure on the economy and the challenge of marketization of interest rates. The banking industry itself Restricted by the institutional transformation of the difficulties. I work in the financial sector in Tianjin. I think under the new situation, although the traditional finance represented by commercial banks has a certain competitive relationship with the capital market, it can re-examine its own development strategy and take advantage of China’s growing capital market to ease Increasing pressure on capital and profitability.