城市商业银行高质量发展案例分析与路径选择
Case Analysis and Path Selection for High-Quality Development of City Commercial Banks
陈一洪1
作者信息
摘要
作为多层次银行业体系的重要组成部分,城市商业银行是服务地方实体经济、维护地方金融安全的重要生力军.在宏观经济增速下行、金融业市场化改革、银行业竞争加剧的背景下,多数城市商业银行面临经营模式较为单一、客户基础仍然薄弱、专业风控能力不足、市场化经营意识不强及体制机制不健全等问题,生存与发展承压.本文基于标杆城市商业银行的案例分析,提出城市商业银行转型发展的路径,即在坚持差异化、小微化策略的基础上,强化技术与创新发展,打造"第二增长曲线",并通过提升专业风控能力、加强精细化管理等支撑保障措施夯实发展基础.
Abstract
As an integral part of the multi-level banking system,urban commercial banks serve as crucial forces in supporting local real economies and maintaining local financial security.Against the backdrop of macroeco-nomic slowdown,financial market reforms,and intensified competition in the banking sector,many urban com-mercial banks face challenges such as relatively simplistic business models,weak customer bases,inadequate professional risk management capabilities,and incomplete market-oriented awareness and institutional mech-anisms,exerting pressure on their survival and development.This paper,based on case analyses of benchmark urban commercial banks,proposes a path for the transformation and development of urban commercial banks.This path involves strengthening technological innovation and development while adhering to strategies of dif-ferentiation,specialization,and micro-business focus,aiming to establish a"second growth"curve.Additionally,it emphasizes measures such as enhancing professional risk management capabilities and strengthening refined management to solidify the foundation for development.
关键词
发展转型/差异化发展/综合化经营/风险管理/小微金融Key words
Development transformation/Differentiated development/Comprehensive operations/Risk manage-ment/Microfinance引用本文复制引用
出版年
2024
NETL
NSTL
万方数据