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贷款二级市场是国际银行业金融创新的重要成果商业银行传统的贷款业务主要是对工商业发放短期的流动资金贷款,贷款形式则是与商品交易相联系的票据贴现。这个狭窄的业务范围,保证了银行资产的流动性,有利于防范银行经营风险。但是,这又导致其他的社会资金需求难以得到满足, 制约商业银行的发展。随着金融业竞争的
The secondary market of loans is an important achievement of financial innovation in international banking. The traditional loan business of commercial banks is mainly to issue short-term working capital loans to businesses and loans in the form of bills discounted in connection with commodity transactions. This narrow scope of business, to ensure the liquidity of bank assets, is conducive to preventing bank management risks. However, this in turn leads to difficulties in meeting the needs of other social funds and restricts the development of commercial banks. With the financial industry competing