我国商业银行传统业务的转型及其路径分析

发布时间：2018-04-03 17:52

本文选题：商业银行　切入点：传统业务　出处：《北京师范大学学报(社会科学版)》2010年06期

【摘要】：基于对近年来国内外金融市场变化的考察发现,商业银行的经营环境、竞争形势、客户需求等方面均发生了巨大变化,这对单纯依赖资产、负债规模扩张的商业银行传统发展模式构成了威胁。面对严酷的竞争压力,商业银行迫切需要对自身发展模式进行重新定位,传统业务转型势在必行。当前,深入研究我国商业银行业务转型的迫切性、战略重点以及路径对策,对推进银行转型的平稳过渡具有重要的实践意义。商业银行传统业务转型本质上是一种制度性变迁,其核心是优化结构,提升银行的综合竞争力。实现业务转型的主要路径是,通过综合化经营转变业务模式,通过金融创新优化业务结构,通过客户结构调整开创新增长点,通过业务国际化战略加速我国商业银行向国际一流现代商业银行的转型。
[Abstract]:Based on the investigation of the changes in the domestic and foreign financial markets in recent years, it is found that the operating environment, the competitive situation and the customer demand of commercial banks have undergone tremendous changes, which rely solely on assets.The traditional development model of commercial banks with debt expansion poses a threat.In the face of severe competitive pressure, commercial banks urgently need to reposition their own development model, and the traditional business transformation is imperative.At present, it is of great practical significance to study the urgency, strategic focus and path countermeasures of the business transformation of commercial banks in China.The traditional business transformation of commercial banks is essentially an institutional change, the core of which is to optimize the structure and enhance the comprehensive competitiveness of banks.The main way to realize the business transformation is to transform the business model through comprehensive management, optimize the business structure through financial innovation, and create new growth points through the adjustment of customer structure.To speed up the transition of Chinese commercial banks to international first-class modern commercial banks through the strategy of business internationalization.
【作者单位】：北京师范大学经济与工商管理学院;
【分类号】：F832.2

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