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作为近几年发展速度为世界瞩目的我国金融市场的重要组成部分,商业银行信贷行为与市场经济的风险与收益预期紧密相连,而我国目前相对不成熟的资本市场运行模式也使得当前我国金融市场内鱼龙混杂。风险与机遇并存的情况在我国金融市场中还将长期存在。因此,利用新型市场风险分析手段、新型市场行为决策理论运用到信贷领域是当前各商业银行玩转资本市场、保证收益、控制风险的不二法门。
As an important part of China’s financial market whose development speed is the world’s attention in recent years, the credit behavior of commercial banks is closely linked with the risk and return expectation of market economy. However, the relatively immature mode of capital market operation in our country also makes the current financial markets in our country Within the mixed dragons. The coexistence of risks and opportunities in China’s financial markets will also exist for a long time. Therefore, the use of new market risk analysis methods and the application of the new theory of market behavior decision-making to the credit field are the only ways for commercial banks to capitalize on the capital market, ensure revenue and control risks.