商业银行在西部大开发中的经营方略

Business Strategy of Commercial Banks in Development of the Western China

商业银行在西部大开发中应坚持“重点地区、重点行业、重点项目和重点客户”的经营方略 ,积极拓展各项金融业务 ,不断提高信贷资产质量。第一 ,配合国家区域规划 ,将业务重心转向重点地区 ,优先支持重点城市的发展 ;第二 ,加大对交通、能源、电信、旅游等重点行业的投入力度 ;第三 ,围绕国家重点项目 ,扩大信贷规模 ,抢占市场份额 ;第四 ,调整客户结构 ,向重点客户群加强营销力度。在此基础上 ,注重开发多样化金融产品 ,大力发展中间业务 ;同时 ,全面加强银行风险管理 ,提高银行的现代化水平。

The articel says that Chinaa commercial banks should adopt the business strategy which is emphasized on the main regions,the main iudustries,the main projects and the main enterprises in the development of western China.In the mean time,they should make efforts to boost financial business and improve the quality of bank assets.First,turn the emphasis to the major cities in west region in accordance with Chinas whole regional plan.Second,reinforce the investment in the main industries,such as transportation,energy resource,telecom and tourism.Third,provide more credit loans to the major projects in the west development.Fourth,adjust the structure of customers group and reinforce marketing to potential customers.On this basis,commercial banks should make more efforts to develop mean business and diversify financial products.Furthermore,they should try to improve their risk mana gement and become more competitive.