In the context of the full liberalization of bank -

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The context of the full liberalization strategy in Chinese banks

Potential of Chinese banks is undoubtedly a huge impact and long-term development challenges. Chinese banks improve their own deficiencies, improve the comprehensive competitiveness of the task is urgent. (A) adjusting the operating structure, to achieve a strategic transformation. One should gradually adjust the asset mix, asset diversification. To maintain a reasonable and moderate growth in credit assets, while increasing the proportion of non-credit earning assets, non-credit earning assets to achieve the diversification of operations and maximize efficiency. Second, we should vigorously adjust the income structure, the implementation strategy of leap-forward development intermediary business. Chinese banks should be to increase the income of the middle of the core business, integration and optimization services, products and marketing channels to further strengthen the currency payment and settlement, international settlement, bank cards and all kinds of agency business, and other major areas of strength, good cash management, investment banking, asset custody and various financial and other new business, and actively seize the high-tech, high value-added and high growth in the middle of the business into new markets. Third, the regional management structure should be further optimized,[link widoczny dla zalogowanych], in-depth implementation of regional development strategies. Resource allocation reform,[link widoczny dla zalogowanych], accelerate the construction of the characteristics of focus and emphasis on regional development layout. Line of cities to increase the allocation of resources tilt efforts to support the development of key lines and enhance their competitive ability. (B) improve corporate governance by fostering core competitiveness. Improve the corporate governance of state-owned banks to achieve the first property rights system of innovation, the establishment of joint-stock as the main form, the main objective to maximize the benefits to transparent management and internal and external oversight as the main protection, ownership clearly established, strict protection smooth circulation of the modern property rights system. Followed by the innovative system of corporate governance. Clearly defined risk appetite of banks, to measure, pricing,[link widoczny dla zalogowanych], control and manage the risks, benefits and risks of risk compensation relative said. In addition to the Board to strengthen risk oversight, but also through the capital constraints, external supervision and market discipline to prevent bank risk,[link widoczny dla zalogowanych], bank risk management structure reorganization. Finally, it is reshaping modern financial corporate culture,[link widoczny dla zalogowanych], adhere to the scientific concept of development, overall business development in the speed, quality and efficiency in the overall management of the scale, structure and capital to co-ordinate the traditional banking business and non-bank financial services to co-ordinate the foreign currency strategic business and domestic and overseas markets, overall business development, management innovation and team building, coordination of the Bank and steady development, anti-<Guangxi Financial Research) 2oo7 No. 8 only changes in bank credit as a result of macroeconomic risk, to avoid the risk of banking and cyclical ups and downs. (C) accelerate the innovation of financial products. Currently, foreign banks due to the types of business, customers and other objects are restricted, types of products they provide far less than Chinese banks, such as Xiamen in the range of products of foreign banks were 181 and 94. However, foreign banks and foreign parent bank than the bank's product innovation capacity is low. Chinese banks face competition from foreign banks, to different levels, to focus on promoting the innovation of financial products: strengthening the foundation of product innovation; combination of product innovation strategies and level of advance preparation; relying on the construction of electronic banking, electronic platform to accelerate the use of financial innovation pace. (Iv) improve human resources management. Chinese banks to change their concept of talent, full of stimulating the introduction of more human resources management reform, and actively implement the performance-related pay system. Establish a line of truly established talent, talent Hing Bank, the concept of talent is the primary productive forces, thoroughly sound human resources management, the genuine emotion to keep people to the cause of keeping. In addition to retaining existing talent, but also to increase foreign exchange business, product development, marketing, and other aspects of the introduction and training. (E) To strengthen cooperation with international strategic investors. In short, banks were completely on its own to increase in product innovation, risk management capacity may be difficult to complete. Learn the skills to the barbarians, and competition with foreign banks, the best way is to learn from them, learning their strengths complement our own weaknesses. Currently, most large commercial banks in China have introduced the world's leading financial institutions as strategic investors, and with them also signed a number of cooperation agreements. In the future, Chinese banks should be more strengthened cooperation with international strategic investors, such cooperation not only on product development and staff training can also be extended to some specific business. With the competitive advantage of foreign banks to play with a solid, bound to the banks and the whole financial system a big impact. Chinese-funded banks to hard skills, improve their core competitiveness, so as to competitive challenges in dealing with foreign banks seize the financial liberalization under the premise of the favorable opportunities for development. Of course, government departments should also improve, reform and regulatory policy to adapt to the new situation of financial innovation and regulation and opening up the need to maintain effective financial systems, health operations. (Editor: Peng-hua) (proof: PQH)

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