城市商业银行转型及发展趋势探析——基于负债及资产结构变化视角

Exploration on the Transformation and Development Trend of City Commercial Banks——From the Perspective of Changes in the Structure of Liabilities and Assets

后金融危机时代,中国宏观经济环境及监管政策的变化成为国内城市商业银行经营转型的重要契机。本文通过对国内70余家城商行的研究发现:规模扩张过程中伴随着负债及资产结构的显著变化,主动负债占比明显提升;信贷资产占比稳步下降,部分代表性城商行在金融市场业务领域确立了一定的竞争优势。只有形成具有自身特色和竞争力的客户、业务及盈利结构才能在未来国内银行业竞争中抢占先机。

Changes of China＇ s macro-economic environment and regulatory policy have brought an important op-portunity for the transformation of city commercial banks＇ business operation in post-financial crisis era. From the sam-ple study of more than 70 city commercial banks, we find that the expansion process was accompanied by a significant change of the structure of liabilities and assets, including a significant growth of the proportion of active liabilities espe-cially in large and medium-sized city commercial banks and a steady decline in the proportion of credit assets. Some of the representative ones have established a competitive advantage in the field of financial market. In order to take the ini-tiative and thrive in the domestic banking industry, city commercial banks should cultivate their own customers and form businesses and profitability structure of their own characteristics.