城镇化建设中工商银行面临的商机和经营对策

Business Opportunities Faced by ICBC in the Course of Urbanization and Operation Measures

近年来城镇化建设已成为推动我国经济发展的主要动力之一,对此,商业银行应主动研究和分析我国城镇化建设对商业银行业务经营和拓展带来的影响。本文分析了当前我国城镇化建设的现状及发展方向,认为城镇化进程将会给工商银行带来较大的市场机遇。从实际出发,工商银行应加大对城镇基础公共设施建设、中小企业发展和城市土地经营管理的支持力度;积极发展个人消费信贷业务,努力拓展优质信贷市场,扩大同业市场占比;适应城镇化投融资体制改革的需要,加快金融业务创新步伐。同时,采取措施切实防范城镇化建设中可能出现的信贷风险。

Urbanization in recent years has become an important economic booster in our country.Under the circumstances,it is imperative for commercial banks to take the initiative to study and analyze the influence of urbanization on their business operation and expansion.This paper follows:the present situation and future trend of urbanization and points out urbanization will bring about great market opportunities for ICBC.Therefore ICBC should seize the opportunity and double its efforts to support the construction of infrastructure in urban areas,as well as the development of small and medium-sized enterprises and urban land management;promote the business of individual consumer credit;expand quality credit market,and enlarge market shares so as to cater to the demands of system reform of investment and financing in urbanization and speed up financial innovation.At the same time,appropriate measures should be taken to ward off possible risks in the process of urbanization.