新经济形势下银行业产品创新分析  

Innovation of Banking Products under the New Economic Situation

作　　者：王硕 刘天阳[2] 

机构地区：[1]中国农业银行互联网推进办公室 [2]中国农业大学经济管理学院

出　　处：《银行家》2014年第10期65-67,共3页The Chinese Banker

摘　　要：随着实体经济面临挑战、金融改革快速推进、利率市场化进程不断加快,银行业盈利增速普遍下滑,不良连续上升,这些都促使商业银行向注重资本节约的精细化管理转变,产品创新已成为各大商业银行巩固存款和净息差、增加中间业务收入。With real economy facing challenges,financial reform and interest rate marketization process accelerating,in the banking sector profit growth generally declines and BLLP continuously rises.which have prompted commercial banks to the fine management focusing on capital economy.In the big commercial banks,product innovation has been the most important means to consolidate deposits and net interest margin,increase the intermediary business income,and promote business transformation.

关 键 词：国内银行业 产品创新 新经济形势 商业银行 中间业务收入 企业金融 资本监管 市场化进程 

分 类 号：F832.2[经济管理—金融学]