中国农业银行四川省分行营业网点经营转型探析
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摘要
随着我国经济体制改革日益深入,产业结构调整力度不断加大,居民收入不断增加,家庭财富的积累和居民金融消费需求迅速攀升,国外现代商业银行纷纷抢滩登陆国内市场,与中资银行在同一个平台上展开竞争,我国商业银行面临的市场和政策环境发生了巨大的变化,国内银行业以往所熟悉的游戏规则已发生了根本的改变,受经济全球化、利率市场化、金融产品多元化以及“金融脱媒”的影响,单纯依赖资产、负债规模扩张的传统发展模式已经难以为继,以存贷利差收入作为主要盈利来源的收入增长方式受到严重的挑战。迫使我国商业银行进行战略调整,纷纷提出了经营战略转型。零售银行业务因其占有经济资本小、收益稳定、风险较低、抵御经济周期能力较强和持久经营等特点,日益成为现代商业银行增长最快、最具活力和发展潜力的业务领域之一,是各家银行经营转型的重点业务。从巴林银行倒闭到全球金融危机暴发后贝尔斯登被收购,以及雷曼兄弟公司破产,无一例外地说明过度关注投资银行等批发业务,可能对金融机构带来极其严重后果,这也从反面证明了零售银行业务的价值。自20世纪90年代起,国际现代商业银行开始大规模向零售银行业务进军,零售银行业务所带来的收入已成为商业银行的重要收入来源。近年来,我国商业银行紧跟全球银行业发展步伐,正在国内掀起一股零售业务经营转型的浪潮,而银行营业网点作为实施零售业务转型的基础和渠道,迫切需要进行管理创新和价值提升。
本文介绍农业银行四川省分行营业网点的发展现状,从面临的内外部经济金融形势和经营环境的变化以及同业市场的竞争,结合现阶段农业银行大力发展零售业务的客观条件以及其他商业银行的经验分析等方面探讨农业银行在四川省辖内实施营业网点经营转型的原因和对策。
This essay aims at an exploration in details into the reasons and measures of business transformation in Sichuan branch including analysis of the objective condition in the development of retail banking and experiences of other domestic commercial banks in front of the economic and financial situation both at home and abroad ,the change of the business environment and competition in the inter-bank market on the basis of the given development statue among business sub-branches and banking offices in Sichuan branch of the Agricultural Bank of China.
Many foreign commercial banks have been landing on China and competing in domestic market with Chinese commercial banks on account of the continuous increase of individual income ,stable accumulation of household wealth and rapid consumption for financial products since our government has been pushing on the reform of the economic system and constantly adjustment of the industrial structure and a series of great changes have taken place in the domestic financial market ,policy environment as well as the rules of the game.Moreover the economic globalization ,diversity of financial products and financial disintermediation have brought strong impacts and challenges upon the scale expansion of assets and liabilities ,and revenue growth depending on deposit loan spreads.Most of the domestic commercial banks have made their strgedy adjustment and trnsformed from the wholesale business to retail business , characteristic of small economic capital,income stability,lasting operation and a strong ability to withstand economic cycles,which has become one of the most rapid,most potential business fields with full of vitality ,accounting for more than 50% revenue of modern commercial banks in the developed countries.Especially the purchase of Bear Sterns and bankrupt of Lehman Brothers Inc during the global financial crisis last year have proved the value of retail banking.However,it is necessry for the domestic commercial banks to make management innovation and value enhancement in the management of their sub-branches and banking offices as the basis or channel by which the transformation of business stragedy be carried out.
本文介绍农业银行四川省分行营业网点的发展现状,从面临的内外部经济金融形势和经营环境的变化以及同业市场的竞争,结合现阶段农业银行大力发展零售业务的客观条件以及其他商业银行的经验分析等方面探讨农业银行在四川省辖内实施营业网点经营转型的原因和对策。
This essay aims at an exploration in details into the reasons and measures of business transformation in Sichuan branch including analysis of the objective condition in the development of retail banking and experiences of other domestic commercial banks in front of the economic and financial situation both at home and abroad ,the change of the business environment and competition in the inter-bank market on the basis of the given development statue among business sub-branches and banking offices in Sichuan branch of the Agricultural Bank of China.
Many foreign commercial banks have been landing on China and competing in domestic market with Chinese commercial banks on account of the continuous increase of individual income ,stable accumulation of household wealth and rapid consumption for financial products since our government has been pushing on the reform of the economic system and constantly adjustment of the industrial structure and a series of great changes have taken place in the domestic financial market ,policy environment as well as the rules of the game.Moreover the economic globalization ,diversity of financial products and financial disintermediation have brought strong impacts and challenges upon the scale expansion of assets and liabilities ,and revenue growth depending on deposit loan spreads.Most of the domestic commercial banks have made their strgedy adjustment and trnsformed from the wholesale business to retail business , characteristic of small economic capital,income stability,lasting operation and a strong ability to withstand economic cycles,which has become one of the most rapid,most potential business fields with full of vitality ,accounting for more than 50% revenue of modern commercial banks in the developed countries.Especially the purchase of Bear Sterns and bankrupt of Lehman Brothers Inc during the global financial crisis last year have proved the value of retail banking.However,it is necessry for the domestic commercial banks to make management innovation and value enhancement in the management of their sub-branches and banking offices as the basis or channel by which the transformation of business stragedy be carried out.
引文
[1]赵萍,中国零售银行的理论与实践,北京:中国金融出版社,2004
[2]赵苗.关于商业银行网点转型的探索.现代金融,2009,3:17-18
[3]赵海英.浅析商业银行网点战略转型.时代金融,2009,4:57-58
[4]刘长领.浅析商业银行网点布局规划和建设.现代商业,2009,7:25
[5]杨子刚.国有商业银行网点转型的难点及对策分析.科协论坛,2007,9:131-132
[6]徐增标,郑垂勇,刘卫国.商业银行网点规划经济评价研究,现代金融,2008,3:11
[7]冷保卫.商业银行网点优化问题探讨.现代商贸工业,2008,6:173-174
[8]殷鹏飞.探索转型时期商业银行网点等级管理思路.上海金融,2008,9:90-92
[9]谢少雄,李鉴清,刘飞舟.商业银行网点核心竞争力研究.金融论坛,2008,8:27-32
[10]李庆萍,陆益美.全面聚焦零售银行业务转型,2008,12:47-54
[11]姜业庆.银行经营转型纷纷瞄准零售业务,金融博览,2006,4:16
[12]殷虎平.商业银行零售业务的战略转型.商业银行,2007,8:54-56
[13]巍林,谢晓华.加快零售业务转型是商业银行的必然选择.西部论丛,2009,6:64-66
[14]蔡详,陈来宽,邵升.如何实现零售银行业务转型,现代金融,2009,4:16-17
[15]杨荇.网点转型是商业银行发展零售业务的关键.西部论丛,2007,12:62-63
[16]胡敏.论商业银行在零售化战略转型中的组织结构变革.中国农业银行武汉培训学院学报,2008,1:29-32
[17]唐玲.我国商业银行的核心转型战略_从发展零售业务角度的思考.2007,10:9-14
[18]蒋星云.西部国有银行向零售业务转型的策略分析.2007,9:51-53
[19]欧永生.商业银行零售网点转型的思路探讨.贵州农村金融,2009.7:16-19
[20]吕巍,阮红,银行零售客户价值提升与管理,北京:人民邮电出版社,2007.
[21]徐学敏,中国商业银行的能力构造,湖北:武汉大学出版社,2008.
[22]谢建敢,黄孟,姜干.西方商业银行零售业务发展的趋势及启示,海南金融,
[23]赵萍.中国零售银行的理论与实践.中国社会科学出版社,2004.4-12
[24]李志辉、王志军,当代国际零售银行业发展趋势,国际金融研究,2005,10:
[25]杨大强.银行零售业务:邮储银行的战略方向.中国邮政,2008,1:18-19
[26]李春.我国商业银行的零售银行业务发展前景.新疆金融,2006,10:38-39
[27]文湘.发达国家零售银行业务的发展状况及对我国商业银行启示.现代商业,2009,15:18.
[28]冯晶.浅谈商业银行零售银行业务发展现状及存在的主要问题.商业经济,2008,2:76-77
[2]赵苗.关于商业银行网点转型的探索.现代金融,2009,3:17-18
[3]赵海英.浅析商业银行网点战略转型.时代金融,2009,4:57-58
[4]刘长领.浅析商业银行网点布局规划和建设.现代商业,2009,7:25
[5]杨子刚.国有商业银行网点转型的难点及对策分析.科协论坛,2007,9:131-132
[6]徐增标,郑垂勇,刘卫国.商业银行网点规划经济评价研究,现代金融,2008,3:11
[7]冷保卫.商业银行网点优化问题探讨.现代商贸工业,2008,6:173-174
[8]殷鹏飞.探索转型时期商业银行网点等级管理思路.上海金融,2008,9:90-92
[9]谢少雄,李鉴清,刘飞舟.商业银行网点核心竞争力研究.金融论坛,2008,8:27-32
[10]李庆萍,陆益美.全面聚焦零售银行业务转型,2008,12:47-54
[11]姜业庆.银行经营转型纷纷瞄准零售业务,金融博览,2006,4:16
[12]殷虎平.商业银行零售业务的战略转型.商业银行,2007,8:54-56
[13]巍林,谢晓华.加快零售业务转型是商业银行的必然选择.西部论丛,2009,6:64-66
[14]蔡详,陈来宽,邵升.如何实现零售银行业务转型,现代金融,2009,4:16-17
[15]杨荇.网点转型是商业银行发展零售业务的关键.西部论丛,2007,12:62-63
[16]胡敏.论商业银行在零售化战略转型中的组织结构变革.中国农业银行武汉培训学院学报,2008,1:29-32
[17]唐玲.我国商业银行的核心转型战略_从发展零售业务角度的思考.2007,10:9-14
[18]蒋星云.西部国有银行向零售业务转型的策略分析.2007,9:51-53
[19]欧永生.商业银行零售网点转型的思路探讨.贵州农村金融,2009.7:16-19
[20]吕巍,阮红,银行零售客户价值提升与管理,北京:人民邮电出版社,2007.
[21]徐学敏,中国商业银行的能力构造,湖北:武汉大学出版社,2008.
[22]谢建敢,黄孟,姜干.西方商业银行零售业务发展的趋势及启示,海南金融,
[23]赵萍.中国零售银行的理论与实践.中国社会科学出版社,2004.4-12
[24]李志辉、王志军,当代国际零售银行业发展趋势,国际金融研究,2005,10:
[25]杨大强.银行零售业务:邮储银行的战略方向.中国邮政,2008,1:18-19
[26]李春.我国商业银行的零售银行业务发展前景.新疆金融,2006,10:38-39
[27]文湘.发达国家零售银行业务的发展状况及对我国商业银行启示.现代商业,2009,15:18.
[28]冯晶.浅谈商业银行零售银行业务发展现状及存在的主要问题.商业经济,2008,2:76-77