发展企业债券市场 促进商业银行资产业务结构调整（Develop the enterprise bond market and promote the adjustment of the business structure of commercial banks）.docVIP

发展企业债券市场 促进商业银行资产业务结构调整（Develop the enterprise bond market and promote the adjustment of the business structure of commercial banks） Develop the enterprise bond market and promote the adjustment of the business structure of commercial banks Abstract: the development of the corporate bond market to bring the crowding out effect increasingly, large quality enterprises began to use the bond market financing, dependence on bank credit funds decreased gradually, the traditional commercial bank, to large enterprises as the main target of the credit market began to face the situation gradually narrowed. Commercial banks must speed up the adjustment of business structure and assets, for small and medium-sized enterprises, to provide financing services for small and medium-sized enterprises; to the external market pressure into motive force of development, through the strengthening mechanism and system innovation, and effectively improve the level of risk management, to further improve and perfect the financial services of small and medium sized enterprises. Key words: corporate bonds, small and medium enterprises, financing, commercial banks transformation In recent years, with the gradual deepening of Chinas financial reform, financial laws and regulations gradually perfect, the scale of financial assets is increasing year by year, financial institutions are more diverse, the entire financial market to achieve a stable and standardized development. But in the process of development, some structural problems in the financial market is gradually emerging, especially the direct financial development backwardness and fund demand of small and medium-sized enterprises is difficult to fully meet the phenomenon is relatively outstanding, has aroused widespread concern in the community and regulatory authorities. How to steadily expand the enterprises direct financing channels, optimize the structure of financial assets, and promote the joint development of all types of financial m