摘要
中国城市商业银行发展至今已有25年的历史,成为中国银行业体系的重要组成部分,有效支持了地方经济的发展。当前,中国经济已进入高质量发展阶段,城商行总体发展势头较好、风险可控,但部分城商行仍存在市场定位不明确、组织管理架构不合理、金融产品种类较少、风险管控能力较低等问题。适应新时代发展要求,城商行应深化对金融本质和规律的认识,结合自身实际和区域经济发展特点,明确市场定位,制定科学的发展战略,优化公司治理体系,进一步强化金融服务功能,增强抵御金融风险的能力,走出一条特色的可持续发展之路。
Chinese city commercial banks, which have become an important part of the Chinese banking system with a history of 25 years, have effectively supported the development of local economy. At present, China’s economy has been in a stage of high-quality development with good overall developing trend and controllable risks. But there are still some problems in part of city commercial banks, such as unclear market positioning, unreasonable organizational and management structure, few types of financial products and low risk control ability. In order to meet the developing requirements of the new era of development, Chinese city commercial banks should take a path of sustainable development with their own characteristics. To achieve this aim, Chinese city commercial banks should deepen the understanding of the essence and rule of finance, combine with their own actual situation and regional economic development pattern, focus on defining market position and be characteristic, formulate a scientific development strategy, optimize the corporate governance system, actively promote innovation in financial products and services, as well as further improve the awareness and ability of risk prevention and control.
作者
宋博
董静
王宁
SONG Bo;DONG Jing;WANG Ning(School of Finance,Zhongnan University of Economics and Law,Wuhan 430073,China;School of Economics,Chengdu Normal University,Chengdu 611130,China;School of Business,Liaocheng University,Liaocheng 252000,China)
出处
《经济体制改革》
CSSCI
北大核心
2020年第3期123-129,共7页
Reform of Economic System
基金
山东省社会科学规划重点项目“中国银行业改革与转型研究”(18BJJJ11)。
关键词
新时代
城商行
改革与转型
new era
city commercial banks
reform and transformation
