论文部分内容阅读
由市场来决定资金的价格,给商业银行许多自由和操作空间。这将对商业银行的经营业务产生重大影响。但是,对于中小商业银行而言,由于自有资金不多,吸储能力不强,短期内这将会给它们的经营带来一定冲击。因此,中小商业银行应该着手建立集约化经营管理模式、强化风险管理的机制和提高业务创新水平和产品开发能力以及尽快完善中小商业银行的内部治理结构。
The market determines the price of funds and gives commercial banks plenty of room for freedom and operation. This will have a significant impact on the commercial operations of commercial banks. However, for small and medium-sized commercial banks, due to their small capital and weak suction capacity, this will bring a certain impact on their operations in the short term. Therefore, small and medium-sized commercial banks should set up intensive management mode, strengthen the risk management mechanism and improve the level of business innovation and product development capabilities and improve the internal governance structure of small and medium-sized commercial banks as soon as possible.