论文部分内容阅读
随着金融改革深入推进,商业银行由被动负债主导的负债模式正面临前所未有的挑战。本文针对利率市场化背景下银行负债模式转型这一课题,从比较被动负债及主动负债特点入手,分析了主动负债兴起的成因,总结了国外同业主动负债模式及其启示,并在对比国内外主动负债发展差距基础上,提出国内银行发展主动负债,构建可持续负债模式的“时”“空”安排。随着金融改革深入推进,商业银行存贷利差收窄,市场风险逐步显现,被动负债主导的负债模式正面临前所未有的挑战。在此背景下,
With the deepening of financial reform, the liability model of commercial banks led by passive liabilities is facing an unprecedented challenge. This article aims at the transformation of the bank debt model in the context of interest rate liberalization. Starting with the comparison of the characteristics of passive liabilities and active liabilities, this paper analyzes the causes of the rise of active liabilities, summarizes the foreign counterparty liability model and its enlightenment, On the basis of the gap between the development of the debt and the debt, this paper puts forward the “time”, “null” arrangements for the development of active liabilities in domestic banks and the construction of a sustainable debt model. With the deepening of financial reform, the deposit and lending spreads of commercial banks narrowed and the market risks gradually appeared. The passive liability-led liability model was facing an unprecedented challenge. In this context,