关于商业银行加快转型发展的思考

加快转变经济发展方式是"十二五"时期经济社会发展的主线。本文从外部经营环境的变化、巴塞尔协议III监管新标准实施、金融发展的新趋势等几个方面揭示了商业银行转型发展的必要性,进而提出适应经济结构调整推进转型、跟随客户多元化融需求推进转型、通过加强机制创新保障转型,走结构优化型、多元化价值增值型的内涵式增长之路,以更好地服务浙江经济和实自身的可持续发展。

Speeding up transformation in economic development is the main thread in economic and social development of the 12th Five Year Plan. This article reveals the necessity of the transformation and development of commercial banks from the external changes in the business environment, the implementation of Basel III supervision and the new Trend of financial development, which direction on adaptive adjustment of the economic structure to promote the transformation, follow customers diversified financial needs to promote the restructuring and strengthen mechanism innovation to support restructuring. The structure optimizing and the diversified pluralistic value - added connotation path of growth should be selected for serving the sustainable development of Zhejiang＇s economy and the realization of its own on sustainable development.