An analysis on the core competence of state-owned commercial banks
Abstract: On December 11, 2006, Chinese financial market began its total opening up to the outside world, and thus Chinese and overseas commercial banks started to conmpete with each other on the same platform.Under the condition that the financial industry becomes increasingly globalized ,informationized, internationalized Chinese commercial banks face more and more competition and concussion. Chinese state-owned commercial banks not only face increasing domestic competition,but also face severe challenges from outside. Faced with this competitive situation, how to increase their core competence and win their own way in the competition of the world is the key of our considerations. In view of this phenomenon, this article firstly described the status of state-owned bank's core competitiveness, and then analyzes the problems of the competitiveness of state-owned bank's core separately from the system, human resources and financial innovation, and puts forward strategies. Key word: state-owned commercial banks; core conmpetence; human resources ; financial innovation 目 錄 一、引言………………………………………………………………………………1 二、國有商業銀行核心競爭力的現狀………………………………………………1 中國銀行…………………………………………………………………2 中國工商銀行……………………………………………………………2 中國建設銀行……………………………………………………………3 中國農業銀行……………………………………………………………3 三、國有商業銀行核心競爭力欠缺的原因分析……………………………………4 制度方面…………………………………………………………………4 產權制度一元化，經營自主落實難…………………………………………4 治理結構不合理，國有產權虛置……………………………………………4 機構臃腫，效率較低…………………………………………………………5 缺乏具有特色的企業文化………………………………………………… 5 人力資源方面……………………………………………………………6 缺乏健全的人才培訓機制………………………………………………… 7 缺乏健全的激勵約束機制………………………………………………… 7 金融創新方面……………………………………………………………8 創新管理機制落后………………………………………………………… 8 金融管制嚴，缺乏內在動力…………………………………………………9 科技應用水平不高，產品創新不足…………………………………………9 四、提升國有商業銀行核心競爭力的策略………………………………………… 9 優化和完善制度安排，打造核心競爭力的基礎………………………9 完善公司治理結構，建立現代銀行公司制度…………………………… 9 精簡機構，實行扁平式管理……………………………………………… 9 培養具有特色的企業文化…………………………………………………10 加強人力資源管理，打造核心競爭力載體……………………………10 加大人力資源投入，提升職員素質……………………………………… 10 建立公平、公正的晉升制度……………………………………………… 10 改進收入分配制度，適當拉開差距……………………………………… 11 加快金融創新，打造核心競爭力保障…………………………………11 健全金融創新機制…………………………………………………………11 加快技術和產品創新………………………………………………………11 實施品牌戰略………………………………………………………………12 五、結束語……………………………………………………………………………12 參考文獻…………………………………………………………………………… 13
