论我国居民金融资产变化与商业银行经营  

The Change of the Quality & Structure of Chinese Resident's Financial Assets and the Managerial Decision of Commercial Banks

作　　者：凌秀丽[1] 廖瑾[2] 李镇华[1] 

机构地区：[1]西南财经大学中国金融研究中心,610074 [2]西南财经大学经济学院,610074

出　　处：《金融理论与实践》2004年第4期12-14,共3页Financial Theory and Practice

摘　　要：改革开放20多年来,随着我国居民个人收入水平的提高,居民金融资产总量迅速增长,金融资产结构也发生了重大变化。应对这一变化进行深入分析,明确我国商业银行的经营取向。Through more than 20 years' efforts of China's reform and opening up, the resident's personal income has reached a new level. In addition to this progress, a great change has also taken place in the structure of the financial assets. This paper conducts a comparatively deep analysis of the progress and change, and puts forward a clear-cut management orientation for our commercial banks.

关 键 词：居民金融资产 商业银行 经营机制 金融市场 储蓄 居民个人收入 金融投资 

分 类 号：F832.21[经济管理—金融学]