“脱媒”与商业银行业务模式转型  

"Free from Intermediary" and Commercial Bank Business Model Transformation

作　　者：巴曙松[1] 陈华良[2] 李晶[2] 

机构地区：[1]国务院发展研究中心金融研究所,北京100036 [2]中央财经大学金融学院,北京100081

出　　处：《河南金融管理干部学院学报》2006年第2期12-16,74,共6页Journal of Henan College of Financial Management Cadres

摘　　要：扩大直接融资,降低对于以银行贷款为主导的间接融资的依赖,是未来中国金融结构调整的一个基本趋势。近年来,在投资基金、企业债、短期融资券等创新金融工具的冲击及资本充足监管的约束下,商业银行传统的业务模式正面临着调整。商业银行只有通过提高风险控制能力、开发多样化金融产品、拓展新的收入来源渠道,并借助金融创新应对贷款质量和信用等级的下降等,才能降低“脱媒”所带来的影响。It＇s an essential tendency for China＇s futrue financial structure adjustment enlarge direct financing and reduce reliance upon indirect financing dominated by bank loans. In recent years, under the assaulting of such innovative financial instruments as investment fund, corporate bond, short-term financing bond, etc. and in the constraint of capital adequacy supervision, traditional business model of commercial banks is being confronted with adjustment. Only when risk control ability is to be improved, diversified financial products developed and new income source channels extended, and support drawn from financial innovation to respond to falling of loan quality and credit grades can commercial banks cut down the impact of ＂free from intermediary＂.

关 键 词：商业银行 金融中介 脱媒 金融创新 

分 类 号：F832[经济管理—金融学]