建立最具盈利能力、最优秀、最受尊重的银行

Research on the Route to Build the Most Profitable,Outstanding and Respectable Commercial Bank

随着金融脱媒化和利率市场化趋势的日趋深入,国际大型商业银行的全球化和综合化步伐进一步加快,盈利进一步集中于少数大银行,非利息收入占比不断增加,公司声誉日益成为银行业的核心竞争力,大银行的公司治理、风险管理也呈现出新的特点。顺应国内外经济形势和银行业发展趋势,工商银行未来应通过继续优化资产负债结构、积极审慎推进综合化、国际化经营实现最盈利银行;通过加强公司治理、完善全面风险管理体系及提升服务水平等实现最优秀银行的目标;通过构建品牌战略,加强企业文化建设,以及切实履行社会责任实现最受尊重银行的目标。

Facing financial disintermediation and interest rate liberalization, international large commercial banks are accelerating their steps of globalization and integrated operation. Earnings are further concentrated in few large banks, and the percentage of non-interest income is continuously increasing. What is more, corporate reputation has gradually become one of the core competences of the banking, and the corporate governance and risk management of large banks also present new features. In line with domestic and international economic environment and the development trend of the banking, ICBC shall carry forward the following strategies to become a world-class international bank： continuously improving the structure of assets and liabilities and advancing integrated and international operation in a proactive and prudent manner to achieve the goal of ＂the most profitable bank＂; strengthening corporate governance, perfecting its enterprise-wide risk management system and improving service quality to achieve the goal of ＂the most outstanding bank＂; forging its brand strategy, emphasizing the cultivation of corporate culture and seriously implementing social responsibility to achieve the goal of ＂the most respectable bank＂.