摘要
中小商业银行在保持高利润前提下产生流动性风险与其资产负债业务构成的不对称性、业务拓展的不均衡性以及主动负债能力弱、市场竞争力弱等特点密不可分,在市场经济不断推进、银行竞争不断加剧的形势下,中小银行应进一步加强流动性风险管理,优化负债与信贷结构,深化网点建设,加大货币市场参与力度。
Liquidity risk for small ＆ medium-sized commercial banks resulted from maintenance of high profit is in- separable to such features as asymmetry of balance sheet business structure, the unbalance of business development, weak proactive debt capacity, weak market competitiveness, and so on. In the circumstance of a proceeding market economy and an increasing market competition, it＇ s necessary for small ＆ medium-sized commercial banks to fur- ther strengthen liquidity risk management, optimize liabilities and credit loan structure, deepen the network con- struction, and take greater efforts to increase participation in the currency market.
出处
《征信》
北大核心
2014年第1期82-85,共4页
Credit Reference
基金
上海市经济和信息化委员会项目(XY-CXJS-01-13-0973)
关键词
中小银行
流动性风险
负债结构
信贷结构
liquidity risk
small ＆ medium-sized banks
liabilities structure
credit structure
