关于后危机时代我国商业银行可持续发展策略的思考

Strategies for commercial banks sustainable development in China in the post-crisis era

银行业的可持续发展,就是在保持银行业与实体经济协调发展的前提下,自身资源配置不断趋于均衡合理、金融风险得到有效控制、金融生态环境持续优化、经济效益和竞争力不断增强的过程。文章从内外部环境分析了我国商业银行可持续发展的推动因素,并从顺应结构调整要求完善信贷业务经营模式,健全资本管理体制,强化全面风险管理机制以及坚持可持续金融创新战略等角度,提出"十二五"时期商业银行可持续发展策略建议。

The sustainable development of the banking industry is the process of resource allocation approaching a more balanced and reasonable state,controlling financial risks effectively,ongoing optimization of the financial ecological environment,growing economic benefits and competition while maintaining the coordinated development of the banking industry and the real economy.This article analyzes the driving forces of the sustainable development of China＇s commercial banks in terms of internal and external environments and, from the perspectives of aligning with the industry structure adjustment,improving the credit business operating mode and the capital management system,strengthening the mechanism for comprehensive risk management,adhering to the strategy of sustainable financial innovation,etc.gives suggestions on the sustainable development strategy of commercial banks during the Twelfth Five-Year Plan period.