国际大型银行兴衰变化与银行可持续发展规律研究

发布时间：2018-01-02 05:09

本文关键词：国际大型银行兴衰变化与银行可持续发展规律研究　出处：《金融论坛》2014年05期 　论文类型：期刊论文

【摘要】：本文通过梳理国际大型银行过去20年的排名变化,特别是日本、法国一些大型银行发展进程中的失败教训,探讨总结了国际大型银行由盛转衰的原因:一是宏观环境变化直接影响银行起落,泡沫经济破灭带来多重负面冲击;二是盲目扩张规模导致风险过度累积,使银行发展的可持续性十分脆弱;三是过度倚赖总量扩张规模效应,发展战略调整滞后,导致银行缺乏有效的应变能力。国际大型银行发展经验与教训表明,规模扩张不应当成为金融机构追求的主要目标。要保持长远发展,就必须摒弃总量扩张的思维,提高发展的内涵和品质,由做大转而谋求做强。
[Abstract]:This paper analyzes the changes in the ranking of international large banks in the past 20 years, especially the failure lessons in the development process of some large banks in Japan and France. This paper discusses and summarizes the reasons for the rise and fall of the international large banks: first, the changes of the macro environment directly affect the rise and fall of the banks, and the bursting of the bubble economy brings many negative impacts; Second, blind expansion of the scale leads to excessive accumulation of risk, which makes the sustainability of bank development very fragile; The third is the overdependence on the scale effect of total expansion and the lag in the adjustment of development strategy, which leads to the lack of effective adaptability of the banks. The experience and lessons of the development of the international large banks show that. In order to maintain long-term development, we must abandon the thinking of total expansion, improve the connotation and quality of development, and turn from bigger to stronger.
【作者单位】：中国人民大学经济学院;中国工商银行城市金融研究所;
【分类号】：F831.2
【正文快照】： 《福布斯》杂志中文网曾刊登一篇题为《柯达重生启示录:规模效应的消亡》的文章(Avi Dan,2013),指出柯达公司过度重视胶卷业务规模,扼杀了创新,未能及时向数字技术转移,最终遭遇失败。百年名牌柯达之所以从行业龙头走向英雄末路,其过度倚赖传统业务的规模效应、战略转型不够坚

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