论我国区域商业银行核心竞争力的培育

Studies on the Cultivation of Core Competition of Our Country's Regional Commercial Banks

某商业银行福州分行以区域商业银行战略的功能分析和经济分析为基础,以价值管理与战略优化为层面要素整合,运用现代化管理手段,构建资本约束条件下新的赢利模式,培育电子银行服务能力,积极推进资产负债结构、客户结构、收入结构的优化调整,大力发展零售业务,培育客户关系管理能力,改造和整合业务流程,大力发展中间业务和中小企业业务,培育国际金融服务能力,强化队伍建设,完善内控机制,培育风险管理能力。

Based on the functional and economic analysis on the strategy of regional commercial banks, and integrating value management with strategy optimization as the key elements, Fuzhou branch has applied modern management means and bulit a new gain pattern to optimize the allocation of resources under the capital constraint. With the service ability of electron bank strengthened, Fuzhou Branch has optimized and adjusted actively the asset-liability structure, customer structure and income structure. Striving to develop retailing business and cultivate the ability of Customer Relationship Management, it has tried to carry out business process integration. Besides, Fuzhou Branch has taken great effort to develop centre business and medium-sized and small enterprises business, cultivate the international finance service ability, and has concentrated efforts on the team building and internal control mechanism to improve the risk management ability.