加快资金结算业务发展的几点思考

Discussion about the thinking of quickening the capital settlement business development

随着新企业会计准则与巴塞尔协议的广泛实施,经济资本已成为约束商业银行经营规模的瓶颈之一,占用资本较少的结算与现金管理业务日益受到商业银行重视。而在利率市场化与融资方式"脱媒"日趋成为现实的情况下,同业竞争也将从依托信贷业务的资源型竞争转为依靠结算服务的渠道型竞争,谁抢占了客户的结算业务,谁就有更多的机会提供产品与服务。为将"结算兴行"的竞争战略转化为获取竞争优势的具体措施,实现从结算制度管理到结算产品与服务管理、从支付结算服务到现金管理服务、从结算操作性管理到结算专业化经营的"三个跨越",结算业务应围绕结算账户拓展、本外币结算业务联动、电子与网点渠道建设、现金管理等重点产品和业务展开。

With new enterprises and of the basle concordat widely implemented, the capital has become a constraint on a scale of commercial banks of the bottleneck of capital, to take less time with the cash management services has attracted increasing attention to the commercial banks;in rates more market-oriented and financing methods ＂medium.＂ are increasingly becoming a reality, the Professional competition will rely on credit from the competition resource type to rely on the settlement service channel type of competition, who robbing customer＇s account, who will have more chance to deliver products and services.for the settlement and row of strategy into concrete measures for the competitive advantage, Implementation of the settlement of the products and services, management and payment settlement services from the cash management and settlement service from professional management to illustrate just settlement of the three across, and settlement business shall be the currency of settlement and settlement account of our business with which the winding, electronic channels construction and cash management and the key product and business.