适应新常态,降本增效促转型

Cost-reducing,Efficiency-increasing and Transformation-accelerating Are Required in the Economic New Normal

目前,中国经济已然步入"拐点阶段","前期政策消化期"、"结构调整阵痛期"、"经济增速换挡期"等一系列经济形势的评判似乎显示了未来中国经济发展的复杂态势。2014年是中国经济体制全面深化改革的关键一年,经济增长方式开始由依赖政策刺激转向自主增长。作为经济改革的重点领域,商业银行传统的经营、管理和盈利模式需要转变,可转变的动力从何而来?商业银行改革思路和路径选择众说纷纭,应该坚持的核心原则又是什么?在改革新背景、经济新常态的环境中,商业银行究竟路在何方?降本增效为银行业改革提供了一个转型发展的新选择。

At present in China the economy has entered the new normal with high-speed, optimal structure, new power and more challenges. In the face of the financial disintenmediation intensified and the overall acceleration of interest rate liberalization,commercial banks must abandon the traditional ways such as scale impulse and speed complex,and research and promote transformntion development ideas of reducing cost and increasing.