国有商业银行经营转型研究

Business Transformation of State-Owned Commercial Banks

国有商业银行普遍进入了加快建设现代商业银行的关键时期,迫切需要对自身经营模式和增长方式进行重新定位,以更好地适应外部经济金融环境的变化和自身进一步发展的需要,在新一轮国际竞争中保持持续、稳步、健康地发展。本文详细分析了国际银行业经营转型的背景,总结了国有商业银行转型的内涵、方向和特点,在此基础上详细论证了国有商业银行经营转型的迫切性和必要性,提出了确保国有商业银行经营转型目标实现的主要策略和措施,即加快推进理念转型、业务转型、流程转型和管理转型。

Locked in a critical stage of accelerating the process of turning themselves into modem commercial banks, state-owned commercial banks are in dire need to reposition their operation model and growth pattern in response to the change in external economic and financial environment and requirements of future development so as to keep their development sustained, stable and healthy in a new round international competition. This paper expounds the background of international banking business transformation and summarizes the content, direction and characteristics of state-owned commercial banks under transformation. On this basis, it verifies in detail the urgency and need for transformation and spells out major strategies and measures towards the goal. They should change their concept, business type, business flow and management.