【摘要】："十二五"規(guī)劃明確提出要穩(wěn)步推進利率市場化改革,同時伴隨著金融脫媒推進,資本約束加強,具有市場廣大、低資本消耗特點的零售信貸業(yè)務(wù)正愈發(fā)受到國內(nèi)各家商業(yè)銀行的青睞,零貸業(yè)務(wù)的發(fā)展狀況已成為商業(yè)銀行可持續(xù)發(fā)展能力的重要標志。本文將從RAROC工具視角出發(fā),嘗試提出優(yōu)化商業(yè)銀行零售信貸經(jīng)營管理的方法與路徑。
[Abstract]:The 12th five-year Plan clearly proposes to steadily promote the market-oriented reform of interest rates. At the same time, along with the advancement of financial disintermediation and the strengthening of capital constraints, there is a broad market. Retail credit business with low capital consumption characteristics is increasingly favored by domestic commercial banks, and the development of zero loan business has become an important symbol of the sustainable development ability of commercial banks. From the perspective of RAROC tools, this paper attempts to put forward the methods and ways to optimize the retail credit management of commercial banks.
【作者單位】： 交通銀行零售信貸管理部;
【分類號】：F832.4;F721
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本文編號：2437168