The economic effects of foreign bank presence: Evidence from the Philippines

This study examines the economic effects of the liberalization of foreign bank entry in the Philippines from 1990 to 2006. The findings provide strong evidence on the dominance of competition effects from foreign bank presence which lead to the reduction in the profitability and overhead costs of domestic commercial banks. These findings, which reveal that both the actual market penetration and mere presence of foreign banks seem to exert competitive pressure to domestic banks, imply that foreign banks may serve as an effective competitive force, reducing the excess profits earned by domestic banks and compelling domestic banks to update their production technologies and techniques to improve their cost efficiency.From a policy perspective, the findings on competition effects of foreign banks in the domestic banking system justify the liberalization of foreign bank entry in the Philippines. The main findings demonstrate that the goal of banking liberalization in transforming domestic banks to be more competitive and efficient works considerably well in the case of the Philippines. Aside from the policy of easing the entry of foreign banks, bank-specific conditions can have significant impact on the performance of domestic banks. Therefore, a sustained improvement in the efficiency of domestic commercial banks requires not only liberalizing the entry of foreign banks, but also on continued strengthening of domestic prudential regulation and supervision on the commercial banking system.     

构建以价值创造为导向的商业银行内部审计体系的初步设想

商业银行内部审计的重点和主要目的应随商业银行发展战略及商业银行经营管理模式的转换而转换。本文从落实商业银行可持续发展战略及保障商业银行内部治理目标实现等角度出发,提出未来我国商业银行内部审计的重点应是商业银行及其分支机构的价值创造力,内部审计的目的也在于促进商业银行及其分支机构不断提升自身的价值创造力。本文建议借鉴融合国际上计量价值创造力的主要方法,构建以价值创造为导向的涵盖财务、风险管理、客户、内部流程及员工学习成长等五个方面审计维度的商业银行内部审计体系。本文还就各审计维度的评价指标进行设计,并建议采用熵值赋权法进行指标赋权。     

中国中小银行可持续发展策略:规模领先还是特色制胜

中国经济改革的深入使中小银行获得了良好的发展机遇,本文分析了中国主要中小银行的规模现状和特色业务.研究发现,不论在资产规模、机构和员工数量,还是在收入和盈利增长以及风险管理方面,中小银行的规模优势并不明显,单纯靠扩张规模很难获得竞争优势,但其业务特色比较突出.因此,中小银行一味追求扩张规模会陷入恶性循环,不利于风险管理...     

中资银行与外资机构联盟合作路径分析

从资源整合角度出发,运用资源基础观相关理论和工具对中外银行战略联盟进行分析,显示中外银行战略联盟是基于双方对额外资源需求基础上形成的互利组合,资源渴求程度对于联盟伙伴的选择具有重要意义;由于战略联盟双方拥有不同的资源与能力组合,因而中外银行的合作深度受到双方资源背景的影响;中资银行与外资机构的战略联盟,尤其是深度合作联盟,在一定程度上优化了国内商业银行的股权结构,增加了银行的净利润,提高了银行经营效率。     

基于管理会计导向的先进管理系统：商业银行信息化战略定位

当前,国内银行纷纷借鉴西方商业银行的发展模式与经验,引进ERP管理信息系统。商业银行选择国内外ERP管理信息系统的核心标准是ERP管理信息系统能否真正实现商业银行资源有效配置与充分利用。商业银行会计包括财务会计与管理会计两大体系：商业银行管理会计是商业银行面向未来资源配置与利用的价格信号机制：商业银行财务会计是商业银行过去资源配置与利用的会计。基于管理会计导向的先进管理系统是商业银行信息化的战略定位。商业银行管理会计体系是以商业银行战略管理框架为基础。围绕为企业战略决策提供决策信息的管理会计内在逻辑来构建价值创造型商业银行管理会计体系。     

论资本约束下商业银行如何实施战略转型

在国际金融形势的影响下,巴塞尔委员会提出了更高的资本监管要求,我国商业银行资本缺口在扩大,资本补充能力受到很多限制,对此,银行业要充分认识转型的必要性和紧迫性,加强核心竞争力,实现可持续发展。     

商业银行客户——利润双导向营销模式研究

客户—利润双导向营销模式需要商业银行根据顾客的需求不断开发新的产品和新的服务,发掘新的利润空间。本文以国内A银行采取的客户—利润双导向营销模式为例进行研究,分析结果表明,这种营销模式能够提高客户满意度和竞争力。同时,商业银行还需要以客户为中心实现全行营销,加强现代科技手段的营销,有针对性地对客户提供个性化服务。     

Putting ‘merchants of debt’ in their place: the political economy of retail banking and credit-based financialisation in Germany

Why did household debt in Germany not increase after the year 2000? This article offers a supply-side explanation for this deviant debt trajectory by tracing the historical evolution of retail banking in the German political economy. It argues that at the end of the 1990s and in the light of European Monetary Union, profitability issues and banking fragmentation became severe enough to interrupt the path towards credit-based financialisation as prevalent among other capitalist economies. These factors interacted with a traditional lack of tools and incentives for rapid credit expansion, even though they were renegotiated in the processes of financial liberalisation, internationalisation and innovation. By employing historical-qualitative as well as statistical evidence for the argument, the paper’s contribution becomes twofold. First, it introduces and conceptualises retail banking as a focal point in the analysis of national financial systems and their transformation. Second, it complicates the standard accounts of German non-financialisation and reveals the ‘contested’ character of financial reform.     

基于DEA 模型的我国上市商业银行竞争力分析

金融业竞争的日益市场化与国际化以及基于技术创新的金融业快速发展，使得我国竞争力本来就不强的银行业深受冲击。因此，我国银行业必须不断提升自主创新能力，提高市场竞争力，以便构筑起可持续发展的能力。本文试图用数据包络方法(DEA) 对我国16 家上市商业银行竞争力进行实证分析，期望能够对我国商业银行竞争力的提升有一定的借鉴意义。