地方银行面临的挑战与突围的路径研究——以中国城市商业银行为例

Research on the Challenges and Breakthrough of Local Banks:A Case Study of China's City Commercial Banks

地方银行是我国商业银行体系的重要组成部分,而城市商业银行更是地方银行的主体力量。城市商业银行,在我国城市信用合作社整顿的关键时期诞生,成功化解地方金融风险,通过明确定位、创新突破取得发展,多年来,整体行业地位快速提升,“三服务”取得明显成效,自身管理水平显著提高,有力服务了实体经济发展,补充和完善了我国银行体系。但是城市商业银行目前存在的问题是,承受着不良资产增加的压力、爆发的信用风险事件影响恶劣、公司治理水平有待提高、银行经营模式与内部管理仍需改善、制约发展的痼疾仍然存在、外部环境带来负面影响等。因此,本文提出,坚定发展信心、支持城市商业银行通过多种方式化解不良资产、切实提高公司治理水平、引导城市商业银行提升经营模式与内部管理、创新解决城市商业银行发展痼疾、支持满足一定条件的城市商业银行进行重组、协调优化城市商业银行外部发展环境等建议。

Local banks are an important part of China’s commercial banking system,and city commercial banks are the main force of local banks.City commercial banks were born in the critical period of the rectification of China’s urban credit cooperatives.They have successfully resolved local financial risks and achieved development through clear positioning,innovation and breakthrough.Over the years,the overall industry status has been rapidly improved,the "Three Services" have achieved remarkable results,and their own management level has been significantly improved,which has effectively served the development of the real economy and supplemented and improved China’s banking system.However,city commercial banks are currently facing certain challenges,including adverse pressure,the outbreak of risk events,the lower level of corporate governance,business model and internal management,obstacles restricting development,and the negative external impact.Therefore,city commercial banks should correctly understand the current challenges they face,and strengthen their confidence in development.In addition,the following measures shall be taken:solve the non-performing assets problems through various methods,improve corporate governance,business model and internal management,solve the chronic development problems in innovative ways,support the reorganization of city commercial banks that meet certain conditions,and coordinate and optimize the external environment of city commercial banks.