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在当前国际金融危机向经济危机转化、我国经济进入下行周期的大背景下,对经济周期中的银行信贷经营行为进行重点研究已显得尤为重要和迫切。本文从发展战略、经营机制、模式创新等角度,提出了应对经济周期波动的对策建议,旨在进一步增强我国商业银行整体经营水平和风险控制能力,提升核心竞争力,打造国际一流金融企业。
Under the background that the current international financial crisis has transformed into an economic crisis and China’s economy has entered a downward cycle, it has become particularly important and urgent to conduct a focused study on the bank credit management activities in the economic cycle. This paper puts forward countermeasures and suggestions to deal with the fluctuation of economic cycle from the perspectives of development strategy, operation mechanism and mode innovation. It aims to further enhance the overall management level and risk control ability of commercial banks in our country, enhance their core competitiveness and build a world-class financial enterprise.