摘要
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。本文运用经济金融周期理论、不完全资本市场理论等,在深入分析经济周期与信贷经营关系的基础上,总结了经济周期对商业银行信贷经营的影响,并从信贷发展战略、信贷经营机制、信贷风险管理、信贷经营模式创新及信贷经营资源配置等方面,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 global financial crisis is switching to economic crisis and Chinese economy has entered the downward cycle, emphasizing the research on commercial bank＇s credit business in business cycle appears especially important and pressing. By using theories of business and financial cycle and incomplete capital market theory, the paper deeply analyzes the correlation between business cycle and commercial bank＇s credit business and summarizes the influence of the former on the latter. Furthermore, the paper puts forward several counter-measures against the cyclical fluctuation of economy from the perspectives of credit development strategy, credit operation mechanism, risk management on loans, innovation on credit operation patterns and credit resource allocation. Those counter-measures are aimed to further improve Chinese commercial banks＇ operating ability as a whole and risk control ability, enhance their core competence and help Chinese commercial banks advance to international first-class financial enterprises.
出处
《金融论坛》
CSSCI
北大核心
2009年第7期10-17,共8页
Finance Forum
关键词
经济周期
商业银行
银行信贷
信贷经营
business cycle
commercial bank
bank credit
credit business
