国有银行拓展县域业务的对策——以江西为例

The Countermeasures of State-owned Banks to Expand Their Business in Counties——a case of Jiangxi province

据对某国有银行63个县(市)支行2007-2011年5个年度的面板数据分析,商业银行呈明显的规模效益特点,存款业务和个人业务的贡献稳定。当前县域经济环境有了很大改善,县域金融市场正处于积聚发展潜力阶段,但县域经济发展水平差异较大,因而银行业务规模差异也较大。国有银行要根据当地经济环境、自身资源状况和风险管理水平,积极拓展内地县域机构的业务,推进差异化经营策略,优先发展资本占用少、风险低的业务和产品。

According to panel data analysis of 63 county-level sub-branches of an inland state owned bank from 2007 to 2011, there exists the distinct scale benefit for commercial banks, and the contribution of deposit business and personal business are stable. At present, the economic environment of inland counties has improved greatly, and financial market in counties is at the stage of accu- mulating potential development. However, the economic development level in different counties is quite different so that the difference of banking business scale is big. Therefore, state owned banks should actively expand business of their branches in inland counties, pushing differentiated operating strategy and placing their priority on the development of less capital-occupied and low risky business and products according to the local economic environment, their own resources and risk management level.