“十二五”经济转型背景下我国银行业发展问题与对策研究

Banking Industry Development Strategy of China Under "The Twelfth Five-Year Plan" Economic Restructuring

"十二五"时期将是加快转变经济发展方式的攻坚时期,在这个重要时期,银行业如何履行自身所担负的使命,支持和推动经济发展方式转变,是我国经济金融发展中的一个重大课题。文章总结了当前我国经济发展方式转变主要面临的任务,着重分析了银行业促进经济发展方式转变的四大着力点,提出了制定新型发展战略、打造差异化和特色化、改革业务流程和提高效率、完善绩效考核机制以及增强风险防范能力建设等对策。

＂The Twelfth Five-Year Plan＂ period is the crucial period of accelerating the transformation of economic development. In this period, how banking industry fulfills its mission to support and promote the economic development pattern becomes the major issue in the economic and financial development in China. This article summarizes the current task of the transformation, and then analyzes the four key points of banking industry promoting economic development mode shift, and then it puts forward the measures： to improve the level of banking services and promote economic restructuxing about China＇s banking industry, optimize the business system and enhance the risk prevention system and upgrading of industrial structure.