【摘要】："錢荒"是流動(dòng)性不足的通俗說法,我國(guó)的銀行業(yè)在2013年6月份以來的"錢荒"中暴露了自身的缺陷:沒有政府支持的銀行難以應(yīng)對(duì)流動(dòng)性不足,而政府支持又造成經(jīng)濟(jì)轉(zhuǎn)型戰(zhàn)略目標(biāo)無(wú)法實(shí)現(xiàn)。為了保證銀行業(yè)自身的發(fā)展,央行對(duì)于審慎的金融機(jī)構(gòu)釋放了部分流動(dòng)性,主要是工商銀行、民生銀行等大型銀行,作為中小型銀行代表的城市商業(yè)銀行因?yàn)槠溆绊懨嫘〉仍螂y以獲得央行的政策性支持。在此背景下,城市商業(yè)銀行該實(shí)施何種戰(zhàn)略才能避免、應(yīng)對(duì)"錢荒"等類似問題的發(fā)生,從而健康有效地發(fā)展呢?多元化戰(zhàn)略平衡發(fā)展可以為城市商業(yè)銀行提供一條發(fā)展思路。
[Abstract]:"money shortage" is a popular term for lack of liquidity. Our banking industry has exposed its own shortcomings in the "money shortage" since June 2013: banks without government support have been unable to cope with the lack of liquidity. But the government support causes the economic transformation strategy goal to be unable to realize. In order to ensure the development of the banking industry itself, the central bank has released some liquidity to prudent financial institutions, mainly large banks such as ICBC, Minsheng Bank and so on. As a representative of medium and small banks, urban commercial banks are difficult to obtain policy support from the central bank because of their small influence. In this context, what strategies should be implemented by urban commercial banks to avoid the occurrence of similar problems, such as "money shortage", so as to develop healthily and effectively? The balanced development of diversification strategy can provide a way of development for city commercial banks.
【作者單位】： 西南財(cái)經(jīng)大學(xué)會(huì)計(jì)學(xué)院;浙江金融職業(yè)學(xué)院;
【基金】：浙江省金融教育基金會(huì)課題“浙江省區(qū)域性潛在金融風(fēng)險(xiǎn)成因、對(duì)策研究”(2012Y24)階段性成果
【分類號(hào)】：F832.33

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