本文關(guān)鍵詞： 商業(yè)銀行 小額信貸 風(fēng)險(xiǎn)控制　出處：《法制與社會(huì)》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(shí)期的特殊性注定了它的發(fā)展先天不足,后天難補(bǔ)。業(yè)務(wù)資金周轉(zhuǎn)緊缺,信貸項(xiàng)目單一,吸收存款能力弱,風(fēng)險(xiǎn)控制能力不強(qiáng)。雖然隨著城市化進(jìn)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(jìng)爭(zhēng)力就必須拓寬業(yè)務(wù)途徑,積極發(fā)展小額信貸業(yè)務(wù),并做好其風(fēng)險(xiǎn)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(guó)注冊(cè)會(huì)計(jì)師協(xié)會(huì)業(yè)務(wù)監(jiān)管部門;
【分類號(hào)】：F832.4

【參考文獻(xiàn)】

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