中国新兴股份制商业银行面临的挑战与出路

当前新兴股份制商业银行面临的挑战主要在于资本充足率有限、资产控制存在缺陷、盈利结构不合理、混业经营能力不强、规模小抗风险能力不强、对外扩张程度不足、营销模式单一、人才结构不合理等 ,其具体原因在于新兴股份制商业银行成立时间短、底子薄、历史包袱较重、人才匮乏。对此 ,作者提出中国新兴股份制商业银行的出路在于重组、并购以及私有化。

The article analyses the current situation of the emerging stock commercial banks, points out the main challenges they are confronted with at present, including: the limited capital-adequacy ratio, the defective capital control, the unreasonable profit-making structure, the weak mixed-management capacity, the small scale and the weak risk-resisting capacity, the insufficient expanding degree, the unitary marketing model, the unreasonable talented persons structure etc. The author indicates that the specific reasons lie in their short history of operation, poor foundation, heavy historical burden, deficient talented persons. In the end, the author suggests the way out is reorganization, merge and acquisition, and privatization.