全球银行排行榜变迁折射的基础规律

On the Basic Law Displayed by the Changes of Global Bank Rankings

全球银行排行榜是一个观察银行业发展变化的重要"窗口",透过全球银行排行榜变迁,我们能够发现一些基础规律。那些"青春永驻"的全球大型银行,基本上都确立并长期坚持自己的风险偏好,形成清晰的战略定位、独具优势的经营模式、完善的风险管理制度和"以客户为中心"的经营文化;而那些曾经昙花一现、最终衰落倒闭的银行,主要教训在于风险管理体制不完善、缺乏有效内部控制,战略定位不清晰、盲目追求高收益以及管理层误判市场。进入新世纪以后,中国银行业取得了世人瞩目的成就,也面临一系列新的挑战。研究并积极借鉴全球银行业发展规律,结合中国特殊的市场环境,探索适宜的银行发展模式与实现路径,具有重要的现实意义。

The global bank rankings are an important“window”for observing the development and changes of the banking industry and some basic laws can be found by analyzing the changes of such rankings.Those large global banks that long hold their positions in the rankings basically establish their risk appetite and stick to it for a long time and form clear strategic positioning,unique business models,perfect risk management system,and client-oriented operation culture.Nonetheless,the failure of those banks that once appear on the rankings and eventually decline and go bankrupt can be attributed to imperfect risk management mechanism,lack of effective internal control,unclear strategic positioning,blind pursuit of high returns and the misjudgment of the market by the management.China’s banking industry has achieved remarkable achievements and is faced with a series of new challenges after entering the new century.It is of great practical significance to study and actively learn from the development rules of the global banking industry and explore appropriate bank development models and realization paths in the light of China’s special market environment.