欧美大型商业银行经营管理与发展策略研究

Business Management and Development Strategies of European and American Commercial Banks

在危机后的艰难复苏中,全球银行业格局出现新变化。本文对近年来欧美大型商业银行资产规模、盈利水平、资产质量、资本充足率等重点经营指标,及其在困境中的发展策略进行了分析研究。研究发现,美国银行业整体尚在缓慢回升的通道中,面临增长乏力的问题;欧洲银行业受累于低迷的经济发展状况,盈利水平仍远低于危机前水平,部分大型商业银行陷入巨额亏损。对此,欧美银行业从区域布局、业务结构、科技金融、成本控制等多方面提出了有针对性、可实施的改革重组策略。在上述分析的基础上,本文针对商业银行国际化经营、降本增利、风险防控等问题提出了若干建议。

The structure of the global banking sector has been changed greatly after the slow recovery from the crisis.This paper analyzes major financial indicators of large commercial banks in Europe and the US,such as asset size,profit ability,asset quality,and capital adequacy ratio as well as their management strategies.We find that the US banking sector is still in slow recovery,and its growth has been weak.Affected by the sluggish economic growth of EU,the profit ability of the European banking sector is still far below the pre-crisis level.Several major European banks are even experiencing huge losses.Facing the difficulties,western banks have been promoting pertinent and practical strategic reforms to optimize regional layout,business structure,financial technology,and cost control.Based on the analyses,we propose suggestions for domestic commercial banks to enhance global presence,cost efficiency,and risk management.