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贷款二级市场是金融市场发展到一定程度的产物。在银行业竞争加剧以及利率市场化的背景下,由于短期信贷市场被挤压以及存贷利差的降低,银行开始从事更多的固定资产投资贷款、项目贷款和住房贷款等中长期贷款。中长期贷款比重的上升,一方面为商业银行扩大了贷款范围;另一方面可以获取短期存款与中长期贷款之间更高的利差所带来的收益。但是,随之而来的短期负债和中
The secondary market for loans is a product of the development of the financial market to a certain extent. Against the background of intensified banking competition and the marketization of interest rates, banks started to engage in more long-term and medium-term loans, such as fixed asset investment loans, project loans and housing loans, due to the squeeze in the short-term credit market and the spread between deposits and loans. The rise in the proportion of long-term and medium-term loans, on the one hand, has broadened the scope of loans for commercial banks; on the other, it has gained the benefits of higher spreads between short-term deposits and medium- and long-term loans. However, the ensuing short-term debt and medium