资本约束、宏观调控与商业银行战略转型  

Capital Constraint,Macro-control and Strategic Transformation of Commercial Banks

作　　者：索彦峰 刘晓辉[2] 于波 

机构地区：[1]浦发银行博士后工作站,上海200002 [2]西南财经大学中国金融研究中心,成都610074 [3]南京信息工程大学经济管理学院,南京210044

出　　处：《广东金融学院学报》2008年第5期38-45,共8页Journal of Guangdong University of Finance

基　　金：江苏省高校哲学社会科学基金资助项目(06SJB790016)

摘　　要：现阶段中国商业银行在发展过程中遭受了资本约束的困境,宏观经济波动性的增强使得宏观调控政策出现了更加频繁、更加市场化的新特征。为突破资本约束的困境和防范宏观调控带来的风险,商业银行必须进行战略转型,走低资本消耗、高盈利模式的集约化经营道路,一方面要认真分析宏观经济环境的变化以及宏观调控政策的新趋势,另一方面还要增强自身的风险管理能力以控制业务拓展和创新过程中带来的风险。The Commercial Banks of China is currently suffering the plight of capital constraint. And the stablization of macroeconomic volatility has made the macro-control policies show up more frequently and become more market-oriented. In order to break through the plight of capital constraint and prevent the risk of macro-control, banks should perform strategic transformation and choose an intensive operational model of lower capital consumption and high profits. So on the one hand, banks should analyze the changes and trends of macroeconomics policies. On the other hand, banks should enhance their risk management capabilities to control risk during the expansion and innovation.

关 键 词：资本约束 宏观调控 战略转型 

分 类 号：F830.33[经济管理—金融学]