地方银行服务长三角经济一体化的战略思考——基于对长三角地区上市地方银行2018年年报的分析

Strategic Thinking of Local Banks Serving the Economic Integration of the Yangtze River Delta:Analysis Based on the 2018 Annual Reports of Local Listed Banks in the Yangtze River Delta Region

区域金融与区域经济密切相关,两者互相依存、共生共长。以长三角地区地方商业银行服务长三角区域经济为例,以地方银行2018年会计年报为依据,分析长三角地方银行服务长三角区域经济一体化面临的问题及优势。研究发现:长三角地区地方银行服务经济一体化面临跨区域经营辐射能力弱、跨区域经营风险大、金融资源分布不均衡等诸多问题。为发挥长三角地方银行在经济一体化进程中的作用,地方银行应创新监管模式,提升跨区域金融服务能力;发展金融科技,完善风险管理体系;营造良好金融环境,健全区域合作机制;加强征信体系建设,建立区域信用合作机制;明确自身定位,走差异化发展道路;加强队伍建设,搭建人才支撑发展体系。

Regional finance and regional economy are closely related,and they are interdependent and symbiotic.Taking the local commercial banks in the Yangtze River Delta region serving the regional economy of the Yangtze River Delta as an example,based on the 2018 annual financial reports of local banks,the problems and advantages are analyzed for the local banks of Yangtze River Delta in serving the regional economic integration of the Yangtze River Delta.The research found that the local bank serving economic integration in the Yangtze River Delta region faced many problems,such as the weak cross-regional operation radiation capacity,the high risk of cross-regional operation,and the uneven distribution of financial resources.In order to play the role of local banks in the Yangtze River Delta in the process of economic integration,local banks should innovate supervision models and enhance cross-regional financial service capabilities;develop financial technology and perfect risk management systems;create a good financial environment and improve regional cooperation mechanisms;strengthen the construction of the credit information system and establish a regional credit cooperation mechanism;enforce its own positioning and take the path of differentiated development;strengthen team building and build a talents support development system.