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在存款保险制度新常态下,商业银行将面临风险差别费率、存款再分配、货币政策调整、激烈的同业竞争和多方监管等新形势,本文系统分析商业银行所面临的挑战,并提出适应性调整策略。
Under the new normal of deposit insurance system, commercial banks will face such new situations as risk differential rate, redistribution of deposits, adjustment of monetary policy, fierce horizontal competition and supervision by multiple parties. This paper systematically analyzes the challenges faced by commercial banks and puts forward the adaptability Adjust strategy.