经济学-供给侧结构性改革背景下商业银行的机遇与挑战论文

供给侧结构性改革下商业银行的机遇与挑战【摘要】当前虽然我国经济正处于向高质量发展的转型升级阶段，但国内资本市场的严重结构矛盾和供求关系失衡。国内低端资本市场的供给过剩不能有效满足新的全球多元化资本市场的需求。因此，我国政府提出了供给侧结构性改革打造振兴经济的发展变革新动力。商业银行是我国金融业的主力军，是我国经济主体的一份子，供给侧结构性改革的进度与质量都离不开商业银行的发展。而我国商业银行在即将迎来供给侧发展变革新机遇的同时，也必然面临着供给侧利润增速的减缓和不良资产不降反升的新挑战。本文通过对分析我国商业银行在供给侧所遭遇及面临的一些机遇，以及对发展的困境及其成因问题进行了分析，指出了商业银行自身进行改革的必要性及其在我国供给侧结构性改革过程中的重要地位和职能，以此为主要理论依据对我国商业银行未来的发展道路和方向的选择提出了建议。【关键词】 商业银行；供给侧结构性改革；普惠金融；金融科技Opportunities and challenges of Commercial Banks under supply-side structural Reform[Abstract] At present, although China 's economy is in the stage of transformation and upgrading to high-quality development, there are serious structural contradictions and imbalance between supply and demand in the domestic capital market. The oversupply of the domestic low-end capital market can not effectively meet the needs of the new global diversified capital market. Therefore, the Chinese government has put forward supply side structural reform to create a new driving force for economic development and reform. Commercial banks are the main force of China's financial industry and a part of China's economic main body. The progress and quality of supply side structural reform are inseparable from the development of commercial banks. While China's commercial banks are about to usher in new opportunities for development and Reform on the supply side, they are also bound to face new challenges of slowing down the growth of profits on the ...