摘要
商业银行的同质化倾向是其经营缺乏创新的反映,这对信贷资金供给、商业银行发展、宏观经济调控都产生了危害。创新不足的外部原因是缺少引导与激励商业银行创新的环境,内部原因是商业银行自身缺乏创新动力与创新能力,这需要从监管设计、行业促进、银行变革三方面突破,提升商业银行系统的活力,提高资源配置效率。
The homogenization tendency of commercial banks is reflected in their lack of innovation, which is harmful to the supply of funds, development of commercial banks, and maeroeconomic management. The external reason is lack of guidance and incentive mechanisms and the internal reason is short of motivation and abilities of creation. To enhance the vitality of the commercial banking system, commercial banks should improve their supervision, promote healthy competition and reform their own operation system.
出处
《安徽农业大学学报（社会科学版）》
2012年第2期60-64,共5页
Journal of Anhui Agricultural University:SOC.SCI.
关键词
商业银行
经营创新
危害
原因
commercial bank
lack of innovation
hazards
causes
