随着商业银行经营目标的调整,资金营运对商业银行的流动性管理越来越重要,日益完善的货币市场成为银行进行流动性管理的重要场所。为商业银行提供机遇商业银行依赖充分发晨的货币市场转移信用风险。当前,信用风险是商业银行经营风险中最主要、最集中的风险,管理好信用风险是商业银行稳健经营的基础。统计数据显示,2004年我国间接融资比重仍然接近90%,而在发达国家,间 With the adjustment of business objectives of commercial banks, the operation of funds is more and more important to the liquidity management of commercial banks. The increasingly perfect money market has become an important place for banks to conduct liquidity management. Providing opportunities for commercial banks Commercial banks rely on full credit markets in the morning to shift credit risk. At present, credit risk is the most important and concentrated risk in the business risks of commercial banks. Managing credit risk is the basis for a sound operation of commercial banks. Statistics show that in 2004 China’s indirect financing is still close to 90%, while in developed countries, between