城商行“发展转型综合症”及策略探讨——“新常态”下城商行发展辨析

Syndrome of Transformation of City Commercial Banks and Strategy Analysis——Analysis on Development of City Commercial Banks under New Normal

伴随着中国经济及金融环境进入新常态,城商行面临发展的重要转折点。过去依赖宏观经济增长红利及监管制度套利,城商行取得规模及盈利水平的快速增长。然而,规模扩张过程中对批发性融资的依赖以及高同业资产配置,使城商行的资产负债结构及收入结构逐渐失衡。面对资本市场快速发展及互联网金融的兴起,城商行已有的商业模式无法有效满足需求结构的趋势性转变,内生增长动力不足,陷入转型发展困境。重塑业务增长模式、改变传统路径依赖、全方位强化内部管理能力、有效支持整体战略实施,是未来城商行转型发展亟须面对的重要课题。

With new normal of Chinese economic and financial environment, city commercial banks are facing crucial turning point of development. Depending on macro-economy growth dividend and supervision arbitrage, city commercial banks achieved rapid growth in scale and profitability. However, reliance on wholesale financing, the structure of asset, liability and income have gradually got unbalance. Facing with rapid development of capital market and rise of internet finance, the existing business model can＇ t effectively meet the change in demand structure. Insuffi- cient endogenous growth momentum makes city commercial banks fall into development dilemma. Remodeling busi- ness mode to change traditional path dependence and strengthening internal management ability to effectively support overall strategy implementation are important topics for future transformation of city commercial banks.