發(fā)布時間：2018-02-26 11:20

  本文關鍵詞： 商業(yè)銀行 小額信貸 風險控制　出處：《法制與社會》2013年10期 　論文類型：期刊論文

【摘要】：城市商業(yè)銀行的前身是城市信用合作社,而后隨著金融制度的改革和股份制改革發(fā)展成為現(xiàn)在的城市商業(yè)銀行。因此,城市商業(yè)銀行出現(xiàn)時期的特殊性注定了它的發(fā)展先天不足,后天難補。業(yè)務資金周轉(zhuǎn)緊缺,信貸項目單一,吸收存款能力弱,風險控制能力不強。雖然隨著城市化進程的加快有了一定的發(fā)展,但是發(fā)展的力度還有待增加,要提升城市商業(yè)銀行的競爭力就必須拓寬業(yè)務途徑,積極發(fā)展小額信貸業(yè)務,并做好其風險控制。
[Abstract]:The predecessor of the city commercial bank is the city credit cooperative, then with the reform of the financial system and the reform of the stock system, the city commercial bank becomes the city commercial bank now. The particularity of city commercial bank during the emergence period doomed its development to be deficient in nature and difficult to make up the day after tomorrow. There is a shortage of business capital turnover, a single credit project, and a weak ability to absorb deposits. The ability of risk control is not strong. Although there has been a certain development along with the acceleration of the urbanization process, the strength of the development needs to be increased. In order to enhance the competitiveness of urban commercial banks, it is necessary to broaden the business channels and actively develop the micro-credit business. And do a good job of its risk control.
【作者單位】： 中國注冊會計師協(xié)會業(yè)務監(jiān)管部門;
【分類號】：F832.4

【參考文獻】

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1 盛濤;;論國有商業(yè)銀行中小企業(yè)信貸中心發(fā)展的可持續(xù)性——基于中小金融機構(gòu)與國有商業(yè)銀行在中小企業(yè)信貸市場的優(yōu)勢分析[J];環(huán)渤海經(jīng)濟w，

本文編號：1537797