我国商业银行业务乱象、博弈与治理  

Chaotic Phenomena of China's Commercial Banking and the Regulatory Response

作　　者：卫功琦[1] 

机构地区：[1]江苏银监局

出　　处：《银行家》2014年第7期50-53,共4页The Chinese Banker

摘　　要：2008年以来,随着信贷大投放后政策转向形成的刚性融资缺口,利率市场化及金融＂脱媒＂加速,信贷政策及存贷比、资本监管等约束变动,国内商业银行开始以同业、理财和投资资金等方式对接企业融资需求,并借助信托、证券、保险和基金等通道,开展类信贷业务等影子银行业务。这些业务在满足市场金融需求的同时,暴露出不规范、管理不到位和监管套利等问题。在微观层面加大了银行经营风险,不利于合规文化建设;在宏观层面则对宏观调控造成干扰,加剧市场波动,并造成系统性金融风险的累积,以及经济杠杆率和社会融资成本的不良变化。Domestic commercial banks carry out credit the type of credit business and other shadow banking business by the way of trust,securities,insurance and fund and other channels.At the micro level,it increases the risk of bank management,which is not conducive to the compliance culture construction.At the macro level,it causes disturbance to the macroeconomic regulation and control,increases market volatility,and causes the accumulation of systemic financial risk.

关 键 词：商业银行业务 系统性金融风险 利率市场化 治理 博弈 信贷政策 国内商业银行 银行经营风险 

分 类 号：F832.33[经济管理—金融学]