论我国商业银行研发机构的职能定位与研究方向

Function Positioning and Research Direction of the Commercial Banks in China

所谓的"研发"是研究与开发(Research and Development,简称R&D)的简称。目前我国商业银行研发机构存在的主要问题有:定位过于贪大求全,研发人员结构不合理,研究思路有一定偏差。针对以上问题,笔者论述了我国商业银行研发机构职能定位应遵循的主要原则,根据其职能的转变,对我国商业银行研发机构职能进行了定位,并确定了我国商业银行研发机构的研究方向:(1)银行战略研究和内部控制研究;(2)金融创新研究;(3)金融市场宏观政策研究;(4)客户与他行研究。

Presently, the main problems in most R&D Departments of commercial banks are their laying excessive emphasis on complete range of research, improper staffing in department and inappropriate research ideas. In the paper, the author explains the major principles that commercial banks should adopt to define the function of their R&D department . and thus points out the proper function and direction of research of R&D department of commercial banks in China. These directions of research include: the research on development strategy and internal control policy of bank, the research on financial innovation, the research on macro policy of financial market and the research on customers needs and competitors' actions.