双过剩危机挑战银行应变能力

随着我国经济的高速增长和商业银行经营环境的变化,未来商业银行将面临产能过剩和流动性过剩的双重过剩危机,双过剩的二律背反将给商业银行的经营带来众多考验。银行只有积极、主动地转变自身业务经营模式,调整资产负债规模,开发有竞争力的金融创新产品,才能在金融全面开放的进程中稳步前进。

Double Surpluses Crisis Challenges the Response Ability of Business Banks

With the sharp growth of china economy and changes of business banks management environment,double surplus crisis-capacity surplus and liquidity surplus-will be the main pressure to business banks in the following years, the contradictions between these two surpluses bring out many challenges to management of business banks. Only by actively adjusting the model of business, modulating the scale of capital and debt, inventing competitive finance innovation products, Business banks will step steadily in the course of finance’complete openness.