论文部分内容阅读
温州金融改革方案的政策出台标志着我国民间金融规范化、阳光化发展改革正式启动。从商业银行的角度来说,温州金融改革为商业银行带来多重业务拓展机遇,也为其带来了潜在竞争压力与挑战。本文认为,商业银行应充分利用政策红利,积极适应小微企业、＂三农＂等方面的金融需求,进行全方位业务拓展与创新;同时,切实注重风险防控。从政策制定角度来说,应充分认识到开辟多元民间投资渠道与构建多层次融资服务体系是规范发展民间金融的内在要求,建立健全民间金融监管的体制机制是规范发展民间金融的基本保障。“,”The issuance of the policy on financial reform scheme in Wenzhou symbols that the reform to regulate private finance has started. For commercial banks, financial reforms in Wenzhou bring opportunities to expand business and potential competitive pressure and challenge. The paper thinks that commercial banks should take advantage of policies to actively accommodate themselves to the financial needs from micro and small enterprises and agriculture, rural areas and farmers to develop their business and make financial innovation. Meanwhile, commercial banks should pay attention to risk prevention and control in practice. For policy making, it should be realized that it is the demand to open up diversified private investment channels and construct multilayer financing service system to standardize the development of private finance, and it is the basic guarantee to establish fmancial system to supervise private finance.