关于把商业银行建成精品银行的战略思考

Strategic Thought on Turning Commercial Banks into Top Bank

本文结合国内外商业银行发展的新趋势,归纳了精品银行的基本特征。作者通过深入分析中国商业银行在发展战略、公司治理、资产质量、经营效益、金融创新、人力资源和银行文化等方面存在的问题,有针对性地提出了中国商业银行在推进精品银行建设过程中需要采取的战略性措施,包括:构建具有领先型、竞争型和可持续型的发展战略;不断改进和完善公司治理结构;打造具有竞争力的核心业务和优势业务,推进业务流程再造;建立全面、及时、审慎、有效的风险管理系统,不断提高风险集中管理能力;坚持以人为本,构建先进的人力资源管理与开发体系,提升人力资本在建设精品银行中的决定性作用。

This paper based on the new trend of development of commercial banks Chinese and foreign gives a summary of the characteristics of top banks in the world. Through in-depth analysis of the problems of China's commercial banks that exist in development strategy, corporate governance, assets quality, business returns, financial innovation, human resources and banking culture, the author puts forward strategic measures to be taken by China's commercial banks in their endeavor to become top banks. These measures are intended to establish: a development strategy aimed at sustainable growth with leading-edge competitiveness, a corporate governance structure that is constantly improving, a competitive core business with operation advantage, reengineering of business process, a comprehensive, timely, discreet and effective risk control system, ever-strong centralized risk control capability and a people-oriented advanced system of human resources management and development so as to amplify the decisive role of human capital in the drive to become top banks. [