对网上国债质押贷款业务发展的分析

我国金融业落后的一个重要表现是金融产品的单一。加入WTO后,竞争的核心是以多样化、可选择性强的金融产品为基础的高品质服务,因此开创新型的金融产品已成为当务之急。网上国债质押货款业务这一新型金融产品,显示了良好的发展前景。由于我国金融法规的滞后,而且经济发展尚处于市场经济的初级阶段,种种环境约束使网上国债质押业务在快速发展的同时也蕴涵着巨大的风险。为了扶持金融产品创新,我们必须对其全面认识,认真分析风险产生的根源,并加以规避和控制:1弥补政策环境缺陷。2回避证券商的经营风险。3培养和招聘合格的客户经理。4严格挑选客户。5商业银行与人民银行和证券监管部门保持有效的信息交流。

The analysises of the operation of using national debt in net as pledge

To improve the competitive strength for our commercial banks we must develop new financial products.Operation of using national debt in net as pledge is a new kind of financial product which has bright future.But we should realize the fact that it's high developing speed compares with high risks.We must analysis closely the causes of the risk and find remedies to limit and avoid the risks.we propose some pieces of suggestion make up the shortcoming of government's policies2 avoid the business risk of stock companiesnurture highly-qualified customer managers4pick up customer strictlykeep communication with Bank of People and the organization managing stock companies.