摘要
本文通过构建商业银行核心竞争力评价指数模型,对2009年工商银行与10家国际大银行进行比较分析,得出如下结论:2007年以来,工商银行克服国际金融危机和国内经济波动的影响,核心竞争力稳步提升,与国际大银行之间的差距逐步缩小,净利润、总市值和品牌价值已成为并继续保持全球第一;资产质量大幅提升,风险管理能力进入前列;但产品、业务结构、员工效率和员工激励与国际大银行相比仍存在较大差距。未来工商银行应充分运用外生式增长模式,不断提升财富管理等重要业务的利润贡献水平,防范金融创新进程中的各类风险,不断提升国际竞争力和影响力。
The paper builds a core competence evaluation index model to compare the competence of ICBC and 10 interna- tional leading banks in 2009. Since 2007, ICBC has overcome the impacts of international financial crisis and domestic econom- ic fluctuation, steadily improved its core competence and gradually narrowed the gap with international leading banks. Moreover, ICBC＇s net income, market value and brand value have become and keep ranking first globally, its asset quality has been im- proved outstandingly, and risk management capacity has steped into the leading group. However, in contrast to international leading banks, ICBC still lags behind in product variety, business structure, stuff efficiency and staff incentive. ICBC should make full use of exogenous growth pattern, constantly enhance the profit contribution of important business, such as wealth management, guard against various risks in the process of financial innovation, and keep improving its international competitiveness and influence.
出处
《金融论坛》
CSSCI
北大核心
2011年第3期3-9,共7页
Finance Forum
