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我国资本市场的日益壮大迫使金融“脱媒”现象成为不可逆转的趋势,而且这将是一个渐进的、不断深化的过程。资本市场的发展将对浙江四大商业银行的资金来源、贷款业务、产品创新以及盈利模式等方面产生较为深远的影响。因此,四大商业银行必须顺应资本市场的发展,结合本地经济金融和同业竞争特点,从优化客户结构,突出理财业务,加强同业合作,积极发展间接银团贷款、资产证券化业务、投行业务和金融衍生产品等方面,持续推进经营转型进程。论文最后提出统一选择市场营销目标、完善营销体系、提高人员专业素质、加强与外部专业机构合作四方面转型保障措施。
The growing growth of China’s capital market has forced the phenomenon of “disintermediation” into an irreversible trend, and this will be a gradual and deepening process. The development of capital market will have a far-reaching impact on the sources of funds, loan business, product innovation and profit model of Zhejiang’s four major commercial banks. Therefore, the four major commercial banks must follow the development of the capital market, combine the characteristics of local economy, finance and industry competition, optimize the customer structure, highlight the wealth management business, strengthen the cooperation with peers and actively develop indirect syndicated loans, asset securitization, investment banking and finance Derivatives and other aspects, continue to promote the operation of the transition process. In the end, the dissertation puts forward the four safeguard measures to select marketing target, improve the marketing system, improve the professional quality of personnel, and strengthen the cooperation with external specialized agencies.