商业银行省行营业部体制改革探讨

A Discussion About Institutional Reform on Banking Departments of Provincial Branches of Commercial Banks

省行营业部在银行业务发展中占据举足轻重的地位,随着金融同业竞争的加剧,其在部分领域出现了市场竞争力减弱的局面。因此,省行营业部体制改革是提升市场竞争力的客观要求。目前中国大型商业银行的省会城市行管理模式呈现各自的特点。借鉴国内外银行体制改革的经验,结合工商银行河北省分行营业部现状,未来改革的思路应是:以提升省行营业部的市场竞争力为核心目标,坚持分步实施、循序渐进、因地制宜的原则,大力推行扁平化改革,明确职能定位,推进管理集中,提高经营效率,释放经营活力,把营业部打造成全省的营销中心。

Banking departments of provincial branches play a vital role in the banking business development. Under the background of increasingly fierce competition in Chinese banking, the competitiveness of banking departments appears declining in some fields. Therefore, institutional reform on banking departments is the objective requirement of enhancing their competitiveness. Currently, banking departments of large Chinese commercial banks possess their own features. Drawing on the experience of institutional reform of international and domestic banking and combining the characteristics of banking department of ICBC Hebei Branch, the paper proposes a reform framework as follows： with a core goal of improving the competitiveness of the banking department and according to the principals of implementing step by step and suiting measures to local conditions, ICBC banking departments should vigorously promote flat management innovation, identify its function positioning, advance management centralization, improve operational efficiency, release the operating vitality and make themselves the marketing centers in each province.