对西部基层商业银行提高经济增加值的思考

Thought on Enhancing EVA of Commercial Banks at Grass Root Level in China's West

实施以经济增加值为核心的绩效考核,在金融资源匮乏的西部欠发达地区,基层行面临着经营核心目标与业务计划体系的统一、经营效益增长与市场份额增长的关系、产品定价机制问题、相对单一的信贷资产结构与降低经济资本占用、财务核算体系中业务风险体现不充分等两难选择。西部基层行必须从转变经营理念,完善组织结构,构建与完善管理信息系统、业绩评价系统、部门预算等方面创造条件为推行经济增加值奠定基础。在经济资本约束下,西部基层行在经营管理工作中要牢固树立价值最大化的经营理念,平衡好规模与效益的关系,加快经营结构的调整及强化风险管理等。

To evaluate performance with EVA at the core, branches at grass-root level in want of financial resources in underdeveloped west have to grapple with a multitude of problems such as the unity between core business objective and business planning system, the relationship between profit growth and market share increase, product pricing mechanism, relative single credit structure, high economic capital tie-up, and insufficient coverage of risks in financial accounting business. Facing such difficulties, branches at grass-root level in the west should create conditions to push forward EVA by changing their operational concept, improving orga- nizational structures and establishing and upgrading management information system, performance appraisal system and departmental budget. With capital restraint, they should stick fast to the operational concept of value maximization, strike a balance between scale and profit, gear up for business structure readjustment and reinforce risk management.