论文部分内容阅读
商业银行若能摒弃以往对外汇贷款业务的偏见,正确把握市场变化趋势,就能使其成为新的利润增长点。2013年以来,商业银行的外汇存贷款业务虽然继续保持双增,但外汇贷款增速创近十年新低。一个突出的特点是:外汇贷款中,中长期贷款比重越来越低;而外汇存款中,定期存款的比重却越来越高。由此使外汇业务的利润率不断下降。在这种情况下,很容易使商业银行忽视对外汇贷款业务的发展。而事实上,随着市场经营环境的不断变化,商业银行发展外汇贷款业务的新机遇也在不断涌现。
If commercial banks can abandon their prejudices on foreign exchange loan business in the past and correctly grasp the trend of market changes, they will be able to make them become new profit growth points. Since 2013, the foreign exchange deposit and loan business of commercial banks continued to maintain a double-digit growth. However, the growth rate of foreign exchange loans hit a new low for a decade. A prominent feature is that foreign exchange loans, the proportion of medium and long-term loans getting lower and lower; and foreign exchange deposits, the proportion of time deposits is getting higher and higher. As a result, the profit margin of the foreign exchange business has been declining. Under such circumstances, it is easy for commercial banks to ignore the development of the foreign exchange loan business. In fact, with the ever-changing market operating environment, new opportunities for commercial banks to develop their foreign exchange loan business are also emerging.