论商业银行实行集约化经营的制约因素与途径

Study on the Restrictive Factors and Ways of Intensive Management in Commercial Banks

商业银行实行集约化经营是适应市场经济 ,加快“两个转变”的迫切需要。但在从国有专业银行向商业银行转变过程中 ,还存在着很多制约因素 ,该文从中央银行调控管理手段对商业银行经营机制的制约 ,外部环境对商业银行集约化经营的制约 ,现行商业银行资产负债结构、管理模式、人事工资制度等对商业银行经营的制约 ,以及经营风险意识薄弱、业务竞争不规范等分析了制约商业银行经营的各种因素 ,同时针对这些制约因素 。

Intensive management in commercial bank is suitable for the pressing needs of the market economy and increasing“two transformations”.But there are many restrictive factors in the process of the transformation from state specialized bank to commercial bank.This paper analyzes all kinds of the factors that restrict the commercial bank's management from the methods of the central bank adjustment and management restraining the commercial bank management mechanism,outside conditions restraining the commercial bank's intensive management,currently the commercial bank's structure of assets and liabilities、the model of management、personnel wage system etc.restraining the commercial bank's management,and weak consciousness of management risks、irregular business contending and so on.Moreover,aiming at these factors,the paper brings forward the propermeasures.