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今年,中国股市6月中旬发生的股灾吸引了全世界的目光,证券市场哀鸿遍野,甚至冲击到国际大宗商品市场和汇率市场,在国际范围内都产生了深远的影响。这其中,商业银行由于有大量的理财产品资金通过场外配资进入股市,也受到了一定程度的冲击。尤其商业银行与实体经济息息相关,一旦受到实质影响,牵一发而动全身,将影响整个中国经济的正常运行和中国梦的实现。本文以本次股灾对商业银行的影响入手,为了从商业银行视角总结股灾中的经验以避免重蹈覆辙,试图寻找商业银行在股灾的冲击下应对的策略。
This year, the stock market disaster in mid-June of China’s stock market drew the attention of the world. The stock market was overwhelming. Even the impact on the international commodity markets and the exchange rate market has had a profound impact on an international scale. Among these, commercial banks have also been hit to a certain extent by having a large amount of wealth management product funds entering the stock market through the OTC. In particular, commercial banks are closely linked with the real economy. Once they are materially affected, it will affect the normal operation of the entire Chinese economy and the realization of the Chinese dream. This article starts with the impact of the stock market disaster on commercial banks. In order to summon the experiences of stock market disasters from the perspective of commercial banks so as to avoid repeating the same mistakes, this paper attempts to find out the strategies that commercial banks should deal with under the impact of stock markets disasters.