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战略调整:中国商业银行发展的路径选择
引用本文:马蔚华.战略调整:中国商业银行发展的路径选择[J].经济学家,2005,36(1):44-50.
作者姓名:马蔚华
作者单位:招商银行总行,广东,深圳,518040
摘    要:在资本的硬约束下,我国银行业面临着前所未有的资本困境,资本缺口巨大,资本补充能力受到侧大限制。面对资本约束与资本困境的严峻挑战,我国商业银行需要更新传统的经营管理观念,强化风险资本意识,加快推进银行业务转型,优化银行盈利结构,提高管理的国际化水平。

关 键 词:资本约束  资本困境  业务结构  管理国际化
文章编号:1003-5656(2005)01-0044-07
修稿时间:2004年11月15

Strategic Adjustment: the Route Selection During the Development of China's Commercial Bank
MA Wei-hua.Strategic Adjustment: the Route Selection During the Development of China''''s Commercial Bank[J].Economist,2005,36(1):44-50.
Authors:MA Wei-hua
Abstract:Under the rigid capital constraint, our country's banking industry is facing capital plight worse than before, the capital deficit is huge and the capital supplement capability is restricted significantly. In face with the rigorous challenge of capital constraint and capital plight, our country's commercial banks need to update the traditional operating and management notion, strengthen the risky capital idea, speed up the transformation of banking operation, optimize the banks' earning structure, improve the internationalized level of management.
Keywords:capital constraint  capital plight  operation structure  internationalization of management
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