商业银行在金融体系中的地位和作用

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内 容 摘 要

商业银行在金融机构体系中居主体地位，是最早出现的金融机构。它们以经营工商业存、放款为主要业务，并为顾客提供多种服务。其中通过办理转账结算实现着国民经济中的决大部分货币周转，同时起着创造存款货币的作用。

传统上商业银行具有支付中介、信用中介、信用创造、金融服务的功能,而上世纪70年代以来全球范围内"脱媒"现象的出现以及投资基金的兴起,带来了商业银行传统功能在整体上的弱化. 

当前，我国商业银行正处在经济、金融体制进行全面调整的过渡时期，面临经济体制的变革和发展战略的调整，承受着来自市场风险的冲击、制度监管的压力以及社会改革的洗礼。

与此同时，世界经济也正处于深刻的结构性变动之中，西方各国面临着金融危机的困境。因此，更需要重新和进一步认识商业银行在金融体系中的地位和作用。并且了解在金融危机下的商业银行规避风险的方法。