新型商业银行的市场定位与业务创新

The Market Analysis and Operation Innovation on Modern Commercial Bank

经济、金融环境的新变化对新型商业银行的发展提出了挑战。这些变化来自宏观金融政策、微观企业基础、同业竞争、金融监管、技术进步等方面。面对变化了的形势 ,新型商业银行必须重新进行市场定位 ,树立“小而精、小而专、小而特”的发展战略 ,及时调整现有资产负债结构 ,并以高科技为载体 ,进行业务创新 ,寻找和创造新的利润增长点。创新的重点集中在负债业务、投资银行业务、个人零售业务、中小企业金融服务、银证、银保全方位合作等方面。

New changes of economy and financial challenge for the development of modern commercial bank .These changes are from macro-financial policy,micro-enterprise basis ,inter-bank competition,financial supervision,technology progression.Facing the changed situation,the modern commercial bank must renew its market analysis.It should erect the developing strategy that is “little and exact ,little and expert,little and especial”,Secondly,it should adjust the structure of the assets and debts in existence,Thirdly,it should execute the operation innovation by utilizing the high-techlonogy and search for the new profit increasing point .The emphases of innovation concentrate in debts operation,investment bank operation,individual retail operation,financial servise for the small enterprise,bank-security and bank-insurance cooperation.