创新是商业银行持续发展的源泉——访中国民生银行董事长董文标

发布时间：2018-04-01 02:21

本文选题：金融创新　切入点：商业银行　出处：《中国金融》2010年24期

【摘要】：试想十多年前,中国老百姓有谁享受过住房按揭,中国的小商户有谁能从银行贷出款来经营自己的买卖,中国的所有大型企业何时再也不用围着银行求贷款,又有谁敢于想象曾经饱受不良资产煎熬的中国商业银行会成为当今全球最赚钱的银行?……仅仅十多年的时间,中国的银行业已经发生了巨大的变化。这一切无不与我国银行业的商业化改革和创新相关。与过去相比,我们的商业银行已经从坐商走向了行商,从行政事业机关走向了商业经营机构。商业化的银行业服务与竞争日趋激烈,也迫使商业银行不断追求创新来满足客户需求,来提升自身服务和竞争。而这种创新已经开始从不断丰富的金融产品创新逐步扩展到银行组织架构的创新、盈利模式的创新,乃至经营思想与战略定位的创新。应该说,这些年来的金融创新让中国的老百姓尝到了甜头,让中国经济尝到了甜头,更让中国的银行业获得了实实在在的收益。然而,就在金融创新为我们创造繁荣并准备大步向前的同时,西方发达国家由于管理上的漏洞导致了全球性金融危机。于是有一种思潮开始错误地认为这都是金融创新惹的祸,要清醒地看到,当前我们的金融创新才刚刚起步,金融创新不足才是我们金融改革发展的真实状况。只有通过创新才能解决我们发展中出现的各种问题。西方的教训正好说明由于它们监管制度创新不足才导致其金融产品的失控,进而演化成全球性经济危机。发展需要持续的创新,商业银行的发展需要不断的金融创新。而真正的金融创新又岂止是一个难字能够形容。从我国的现实情况看,我们的金融创新不仅需要国家政策的导向支持,更需要商业银行自身的不懈努力和一批批银行家们的智慧闪光。因为创新往往伴随着风险。他们要顶住常人难以想象的压力,他们要克服循规蹈矩而不会发生的种种新的难题,他们要顾全股东与员工、社会各方的利益而保证创新的有效。某种程度上说,只有他们具有强烈的社会责任感和使命感,我们的金融创新才会充满激情,我们的生活与社会才会如此精彩、如此美丽。
[Abstract]:Imagine more than a decade ago, who among the Chinese people enjoyed housing mortgages, who in China's small merchants could lend money from banks to run their own transactions, and when all the large enterprises in China would no longer have to rely on banks for loans. Who dares to imagine that China's commercial banks, once suffering from bad assets, will become the most profitable banks in the world today? In just over a decade, great changes have taken place in China's banking sector. All of this is related to the commercial reform and innovation of our banking industry. Compared with the past, our commercial banks have moved from sitting merchants to merchants. Commercial banking services and competition are becoming increasingly fierce, forcing commercial banks to constantly pursue innovation to meet customer needs. To enhance their own services and competition. And this innovation has begun to expand from the constantly rich innovation of financial products to the innovation of bank organizational structure, the innovation of profit mode, and even the innovation of management thought and strategic positioning. It should be said, The financial innovations of the past few years have given the Chinese people a taste of the benefits, the Chinese economy, and the real benefits of China's banking sector. Just as financial innovation created prosperity for us and prepared to move forward, Western developed countries led to a global financial crisis due to regulatory loopholes, and a trend of thought began to mistakenly assume that it was all caused by financial innovation. We should soberly see that at present our financial innovation is just beginning. The lack of financial innovation is the real situation of our financial reform and development. Only through innovation can we solve the various problems in our development. The runaway of financial products, Then it evolves into a global economic crisis. Development requires continuous innovation, and the development of commercial banks requires constant financial innovation. And real financial innovation is not only a difficult word to describe. From the reality of our country, Our financial innovation needs not only the guidance of national policies, but also the relentless efforts of commercial banks themselves and the wisdom of a group of bankers, because innovation often carries risks. They have to withstand unimaginable pressures. They have to overcome new problems that are not going to happen, they have to take into account the interests of shareholders and employees, and all parties in society to ensure the effectiveness of innovation. To some extent, only they have a strong sense of social responsibility and a sense of mission. Our financial innovation will be full of passion, our life and society will be so wonderful, so beautiful.
【分类号】：F832.2

【相似文献】