日本瑞穗金融集团整合经验与转型历程

The Combination Experience and Transformation Process Of Mizuho Financial Group

2000年,在10年经济萧条的背景中,日本政府大力推动日本兴业银行、第一劝业银行和富士银行组建成日本瑞穗金融集团。历经多年的整合重组和改革转型,瑞穗金融集团建立了金融控股公司构架下涵盖银行、证券、信托、其他业务等四大板块的混业经营模式;日本兴业银行(为前身的瑞穗实业银行)也实现了由中长期信用的"国策银行"向"商业银行"转型,资金来源实现了由"债券银行"向"资金多元化银行"转变;资金运用上继续面向大客户,大力推动银团贷款等公司融资业务,实施以客户为导向的评审信贷流程。借鉴日本瑞穗金融集团整合经验和日本兴业银行的转型过程,对目前中国政策性银行的商业化转型具有重要启示。

In 2000, under the promotion of Japanese Government, The Industrial Bank of Japan （ IBJ）, The Dailchi Kangyo Bank（DKB） and The Fuji Bank（ Fuji Bank）were united to Mizuho Financial Group（ MHFG）. After two years of combination, MHFG had formed the Organizational structure of the financial holding company, including Banks, Securities, Trusts and other industries. IBJ has also transformed from the policy -related bank to the commercial bank successfully. The Combination Experience of MHFG and transformation of IBJ give lesions to Chinese banks that Chinese policy -related bank should strive for long transformation period, widen the capital resources and balance the liability structure, develop the Syndicated loans, reshape the loan management process, carry out the elite project.