关于商业银行总分支行体制研究——基于利益博弈视角

Research on the Branches and Branches of Commercial Banks——Based on the Game Theory of Interests

随着我国经济发展进入新常态,商业银行长期依靠制度红利形成的利差竞争优势逐渐弱化,长期实行的总分支行体制弊端日益显现。近几年,商业银行分支行风险案件频繁爆发,引发了社会对商业银行总分支行体制的重新思考。本质上,上级行(总行)与下级行(分支行)之间存在着利益不一致性以及控制权的分配问题,利益博弈导致双方难以实现动态平衡。为有效缓解商业银行总分支行之间的矛盾,提高经营效率,商业银行可积极拥抱"互联网+",搭建完善的信息系统;循序渐进,逐渐完善经营机构职能;树立合规意识,营造良好的企业文化;落实人才支撑发展战略,打造专业化的管理队伍;人尽其用,逐步建立合理有效的激励机制;构建"防火墙",加快推进自动报警系统建设。

With the economic development of our country entering a new normal,the disadvantageous competitive advantage of commercial banks＇ long-term reliance on institutional dividends has gradually weakened,the drawbacks of the long-standing system of branches and sub-branches have become increasingly apparent. In recent years,the frequent occurrence of risk cases in branches of commercial banks has triggered social reconsideration on the general branches and branches system of commercial banks. In essence,there is the issue of interest inconsistency and the distribution of control between the superior bank（head office） and the lower bank（branch bank）,the game of interest leads to the difficulty of achieving the dynamic balance between the two banks. In order to effectively relieve the contradictions among the branches and branches of commercial banks and improve the operational efficiency,commercial banks can actively embrace the ＂ Internet ＋ ＂ and establish a sound information system; the gradual and orderly improvement of the functions of the operating agencies; establish awareness of compliance and create a good business culture; implement the development strategy of talent support,create a professional management team; make the best use,and gradually establish a reasonable and effective incentive mechanism; build ＂ firewall＂ and accelerate the construction of automatic alarm system.