存款偏离度考核机制的政策解读与商业银行应对之策

The Policy Interpretation of Deposits Deviation Evaluation Mechanisms and the Strategy of Commercial Banks to Deal With it

中国人民银行等三家机构近期联合推出的存款偏离度考核机制引起了商业银行高管对传统负债业务管理思维的新思考。存款偏离度过高问题主要受内外两种力量所驱动,对金融市场产生了一定的负面影响。加强对存款偏离度考核将具有积极的现实意义。为有效应对新的考核机制对传统负债业务管理造成的影响,商业银行须以《通知》精神为导向,扬弃传统经营管理观念,塑造新的经营管理思维,从规范化的经营理念、科学化的绩效考核、精细化的负债管理、差异化的业务创新、全面化的风险管控等五方面协同并进,力促银行自身的转型升级。

Recently, the three ministries jointly launched the deposit deviation assessment mechanism, causing commercial bank executives rethinking about the traditional liability business management. High Deposit deviate is mainly due to both internal and external force, having a negative impact on the financial markets. Strengthen the deposit deviation assessment will have a positive practical significance. To effectively address the impact of the new assess- ment mechanism on the traditional liability business, commercial banks are required to ＂notify＂ as a guide, abandoning the traditional management cogitation, shaping the new management cogitation, by five aspects of standardization of business philosophy, scientific performance appraisal, refinement of the liability management, differentiated business innovation, comprehensive risk management of the, urging the bank＇s own transformation and upgrading.