商业银行省级分行营业部体制改革研究

System Reform of the Banking Office of Provincial Branch of Commercial Bank

省分行营业部的竞争力对商业银行在省域的经营发展至关重要。本文以某大型商业银行的某省分行营业部为样本,比较分析了其与当地其他3家大银行和系统内可比3家省分行营业部的竞争力状况。省分行营业部的经营绩效与选择的管理体制并不具有明显的相关性,而主要取决于当地的经营管理团队、市场竞争态势和上级行的政策资源支持等因素。针对如何提升营业部的竞争力水平,作者建议稳步推进营业部单列管理;加强省分行与营业部经营管理资源整合;激活网点经营细胞;实施人才强行工程;赋予营业部产品创新自主权。

The competitiveness of the banking office of provincial branch is essential for commercial bank＇s development. With the sample of a large commercial bank＇s provincial banking office, the paper compares its competitiveness status with oth- er three banking offices on local market and three banking offices in other provinces but under the jurisdiction of a same head office. There is no significant correlation between provincial banking office＇s performance and its organization system, and the former is mainly determined by local management team, market competition status and resource support from higher authority. Centering on how to enhance the competitiveness of a banking office, the paper proposes that banking office should be managed under independent budgetary status, and provincial branch and banking office should integrate their resources. Moreover, com- mercial banks should activate the vitality of business outlets, fulfil the strategy of reinvigorating bank through human resource development and grant banking office more power in product innovation.