流动性过剩与中国商业银行的经营结构转型（Excess liquidity and the transformation of commercial banks management structure in China）.docVIP

流动性过剩与中国商业银行的经营结构转型（Excess liquidity and the transformation of commercial banks management structure in China） Excess liquidity and the transformation of commercial banks management structure in China [Abstract] the significant excess of the relative loans of the commercial banks in China will reduce their operating profits, as well as indicate the profits Possible financial default risk. The key to overcoming the adverse effects of excess liquidity on Chinas commercial banks It includes two aspects: (1) the bank itself needs to double surplus from liquidity and enterprise capacity We should adjust the composition and scale of stocks and incremental loans, improve the ability to prevent Loans Risks and improve them seriously Relying on interest income business as the main mode of traditional management, through mergers and acquisitions, financial innovation and the industry Cooperation and other ways to achieve diversification of financial services and customer objects, and form a special operation. (2) improving business The macro operation environment of banks, the reform of interest rate marketization, and the opening of commercial banks in depth, Effectively enhance the independent position of state-owned commercial banks. Deposit surplus; non interest income; interest rate liberalization Abstract:, Cons, I, derahl, e, excess, deposits, over,, loans, of, Chinese Commercial, banks, will, decrease, their, operational, profits, and, also Foretells, the, possible, financial, default, risks., Overcoming, the Negative, effects, of, excess, liquidity, of, Chinese, commercial, lies, banks In, the, following, two, factors:, First, key, the, banks, should, face, the Fact of, udouble, excess, excess liquidity of banks and excess Productivity, of, firms, adjust, the, structure, and, scales,, of, loan, stocks And, increments, improve, ability, to, prevent, loan, risks, reform, the Traditional, operation, method, that, greatly, relies, on, interest, income Business, and, dive