关于私人银行事业部制改革与风险合规管理的思考

随着银行营运中心体制发展,事业部制无疑是规避行政色彩、推动流程银行建设的一剂良方,虽然国际银行业推行事业部制已近30年,但在中国银行业要实施事业部,仍需要从自身的实际情况出发,结合业务经营情况,因地制宜,逐步推进极具特色的事业部制模式。文章分析了私人银行业务事业部制的定义。优势与挑战、目标定位,并对农业银行推进事业部制...     

建设银行河南省平顶山分行推进事业部制改革的探索与启示

事业部制改革是商业银行管理体制和经营模式的重大变革。在金融脱媒严重、利率市场化加速的今天,灵活的经营体制、高效的运作模式,对于银行核心竞争力的支撑作用日益凸显。传统以分工为基础的“部门银行”体制所带来的行政化色彩、条块分割,与现代商业银行市场化、专业化、扁平化的发展趋势是相悖的。事业部制同时也是国际发达银行的先进经验,美国的美国银行、英国的渣打银行、德国的德林斯顿银行都是按照事业部制方式建立的,把客户分为两大板块,一是个人业务,一是公司业务。我们的战略合作伙伴美国银行,最大的经营优势就是零售业务,在零售业务方面实施的也是事业部制管理。因此,选择事业部制,打造流程银行,是商业银行以科学发展观为指导,在经营体制和管理机制改革转型中迈出的关键一步。     

流程银行建设和事业部制改革——基于战略作业管理的分析框架

本文提出一个银行竞争优势——基于战略作业管理的分析框架,试图为流程银行建设和事业部制改革提供有益的启示。商业银行应以战略为导向,以客户为中心,以业务流程再造为切入点,以机构扁平化为核心,以有效的管理控制机制为保障,通过流程银行建设实现成本领先优势,通过事业部制实现差异化战略,从而获得竞争优势和长期盈利能力。     

国内商业银行事业部制改革初探

事业部制是规避行政色彩、推动流程银行建设的一剂良方,虽然国际银行业推行事业部制已近30年,但在中国银行业,更多的还是疑惑和观望.坚定不移大刀阔斧地实施事业部制改革,民生银行尚属国内首家.     

滨海农商银行实行事业部制的探索和实践

天津滨海农村商业银行(以下简称滨海农商银行)事业部制改革经过三年的探索实践,已初见成效,取得了阶段性成果。实践证明,事业部制作为构建流程银行的基础能够有效克服原来总分行制下的种种弊病,是滨海农商银行实现经营战略转型的必由之路。面对日益复杂的国内外经济金融形势与日趋激烈的国内商业银行竞争趋势,滨海农商银行将继续坚持理念创新、体制创新、机制创新、产品创新和发展方式创新,继续坚定不移地实行事业部制改革方向,坚定不移地推进事业部专业化经营方向,不断提高市场     

民生银行公司业务事业部制改革的实践及启示

推进流程银行建设和事业部制改革是国内大型商业银行进行业务结构调整和战略转型的重要举措,也是当前中国银行业监管层督促商业银行尽快实施的机构改革方向。民生银行是国内首家全面启动公司金融事业部制改革的银行,其极具特色的事业部制模式值得国内其他商业银行学习和借鉴。     

流程银行再造：农行股改后最现实的选择

矩阵式事业部制，即流程银行是全球银行业组织架构的主流模式。农业银行在初步完成产权结构优化和股份制改造之后，深化改革发展的最有效切入点和最现实突破口就是流程银行再造，本文就此问题作了些研究和探讨。     

六西格玛管理与商业银行效率

银监会在2005年提出"流程银行"的概念后,构建流程银行的理念迅速被国内商业银行接受.六西格玛管理对于构建流程银行和流程再造过程起到了重要的作用,它为商业银行提供了行之有效的管理方法和流程技术,将最先进的工作方法和电脑科技应用到简单的流程模式中,力求达到"零缺陷"的战略目标,实现商业银行效率的非线性飞跃.     

流程化管理与商业银行的实践

目前我国各商业银行正掀起一股打造流程银行的学习热潮,然而,对于传统的部门银行而言,通往流程银行的路毕竟还很长。如何在商业银行中准确地去实践流程化管理是关键所在,本文介绍了民生银行在此方面的实践,希望这些经验之谈能对其他银行有所启发。     

民生银行启动公司银行大事业部制改革

<正>9月16日,民生银行举行"公司银行大事业部及零售、金融市场总部制改革实施启动会",标志着酝酿半年之久的公司银行大事业部制改革全面启动。该行公司银行大事业部制改革,是在对公司业务及事业部的运行现状进行全面的问题梳理和系统性诊断的基础上,对公司业务板块行业事业部、产品事业部、分行公司业务,以及总行营销管理职能、中后台管理支持职能进行全面整合和变革,建立大事业部制运行体制。此次民生银行公司银行大事业     

基于模块化核心的流程银行变革研究

模块化管理是当前国际银行变革与发展的主流模式,模块化以网络化的组织形式,实现了各种资源在银行内部、银行与外部经济组织之间的有效整合。模块化体现了客户导向、市场观念和成本的最小化等基本管理理念。模块化应用到流程银行建设是中国金融界的全新经营管理视角和新的尝试,既借鉴了美国等企业和银行的成功经验,又为了解决中国银行业突出存在的问题——部门银行。中国目前的银行开始实行了一些流程银行方面的初步探索,但认识还不清晰,措施还不完善,变革成效还不明显,未来的变革之路还很长。流程银行的模块化研究很好的回答了这一系列的管理问题,指明了中国商业银行未来"流程银行"建设的目标和方向。     

有效银行成本制度的选择

本文分析了银行产出形态的的特殊性,指出造成传统成本制度、成本分析难以应用于银行产品成本分析。通过对银行产品的成本构成路径分析,指出作业成本制度符合银行服务的有效成本方法,对银行成本管理、经营管理具有重大意义,并对商业银行如何推进作业成本提出了设想。     

Beyond state-owned banks: Evidence from Shanghai bank customers

In light of a reformed and liberalized banking sector in China, this article sets out to examine the role of socio-demographic factors and customers’ banking experiences and priorities in customers’ selection of banks. As state-owned banks have long dominated the banking industry, the article also investigates the receptiveness of the Shanghai Chinese towards newer commercial banks, such as the joint-stock banks, and the penetration of foreign banks into China's banking industry. Comparing customers who use state-owned banks only and those who patronize joint-stock banks, it is found that education, income, age, occupation sector and location of hometown affects customers of state-owned banks only. Further, it is also found that state-owned banks remain dominant despite the opening up of the banking sector, and perception towards state-owned banks remains favourable.     

The Puzzle Between Banking Competition and Profitability can be Solved: International Evidence from Bank-Level Data

This article applies the GMM techniques for dynamic panels using bank-level data for 61 countries over the period 1992 to 2006 to re-investigate the impact of banking competition on profitability. The extant literature, which ignores influence factors, presents ambiguity towards the impact of banking competition on profitability. However, when the effects of a broad range of factors are taken into consideration, five conclusions are reached. First, along with the change in market structure, a higher degree of activity restriction enhances banks’ profits. Second, restrictions on the rights of commercial banks to engage in securities, insurance, and other non-banking-related business, along with restrictions on the entry of foreign banks into these markets, weaken the positive relationship between banking competition and profits. Third, a higher degree of efficiency within the judicial system and the added protection afforded to investors may weaken or else have no impact on the positive relationship. Fourth, the positive relationship may weaken in countries having a sound financial system or high income per capita. Finally, greater competitive pressure facing banks may weaken or eliminate the impact of banking competition on profit.     

Productivity,technology and efficiency of De Novo Islamic banks: Empirical evidence from Malaysia

The impact of foreign banks’ entry on the conventional banking sector has been well documented in the literature. However, empirical evidence on the impact of foreign banks’ entry on the Malaysian Islamic banking sector is completely missing from the literature. By employing the Malmquist Productivity Index method, the article provides, for the first time, empirical evidence on the impact of foreign banks’ entry on the efficiency and productivity of the Islamic banking sector. The empirical findings indicate that the De Novo foreign Islamic banks have been relatively more efficient and productive compared to their domestic and foreign Islamic bank counterparts. The results also suggest that the Malaysian Islamic banking sector has exhibited a higher level of total factor productivity during the post De Novo foreign Islamic banks’ entry period.     

Shadow Banking,Risk Transfer,and Financial Stability

Shadow banking is the process by which banks raise funds from and transfer risks to entities outside the traditional commercial banking system. Many observers blamed the sudden expansion in 2007 of U.S. sub‐prime mortgage market disruptions into a global financial crisis on a “liquidity run” that originated in the shadow banking system and spread to commercial banks. In response, national and international regulators have called for tighter and new regulations on shadow banking products and participants. Preferring the term “market‐based finance” to the term “shadow banking,” the authors explore the primary financial instruments and participants that comprise the shadow banking system. The authors review the 2007–2009 period and explain how runs on shadow banks resulted in a liquidity crisis that spilled over to commercial banks, but also emphasize that the economic purpose of shadow banking is to enable commercial banks to raise funds from and transfer risks to non‐bank institutions. In that sense, the shadow banking system is a shock absorber for risks that arise within the commercial banking system and are transferred to a more diverse pool of non‐bank capital instead of remaining concentrated among commercial banks. The article also reviews post‐crisis regulatory initiatives aimed at shadow banking and concludes that most such regulations could result in a less stable financial system to the extent that higher regulatory costs on shadow banks like insurance companies and asset managers could discourage them from participating in shadow banking. And the net effect of this regulation, by limiting the amount of market‐based capital available for non‐bank risk transfer, may well be to increase the concentrations of risk in the banking and overall financial system.     

Ownership structure and risk in publicly held and privately owned banks

Using detailed ownership data for a sample of European commercial banks, we analyze the link between ownership structure and risk in both privately owned and publicly held banks. We consider five categories of shareholders that are specific to our dataset. We find that ownership structure is significant in explaining risk differences but mainly for privately owned banks. A higher equity stake of either individuals/families or banking institutions is associated with a decrease in asset risk and default risk. In addition, institutional investors and non-financial companies impose the riskiest strategies when they hold higher stakes. For publicly held banks, changes in ownership structure do not affect risk taking. Market forces seem to align the risk-taking behavior of publicly held banks, such that ownership structure is no longer a determinant in explaining risk differences. However, higher stakes of banking institutions in publicly held banks are associated with lower credit and default risk.     

The Eurozone banking sector in the time of COVID-19: Measuring volatility connectedness

This article investigates the volatility connectedness of the Eurozone banking system over the last 15 years (from 2005 to 2020). Applying the Diebold-Yilmaz Connectedness Index model to the daily stock return volatilities of 30 major Eurozone banks, we are able to measure the risk spillover effects and to capture the COVID-19 outbreak's impact on banking stability. The empirical findings show that the 30 banks are highly interconnected. Furthermore, we show the strong impact of the COVID-19 pandemic on the volatility dynamics, i.e., on the structure of the Eurozone banking system. Dynamically, we find that volatility connectedness increases during crises, reaching its maximum peak at the time of COVID-19. The analysis points out the critical role of volatility transmission played by large banks, highlighting the “too-big-to-fail” characteristic of this banking system. However, we find that small-medium banks are important actors of contagion, supporting the thesis that the Eurozone banking system is also “too-interconnected to fail.” Finally, we document the heterogeneity effect of the COVID-19 pandemic between Eurozone banking systems. This heterogeneity impact could be a future source of financial instability within the Eurozone.     

境外战略投资者对中东欧8国银行产业转型与发展的影响

中东欧8国银行产业转型最重要的步骤之一是引进外资银行,形成了外资银行在该地区银行市场占有巨大市场份额的基本格局。从目前的情况来看,外资银行对中东欧8国银行产业的影响是正面的积极的,既改善了中东欧8国的宏观经济金融环境,也带动了本土银行的发展。     

Establishing bank–corporate relationships and building competitive advantages

This article investigates how banks build competitive advantage through relationship banking. Using a grounded theory approach, 29 interviews were conducted with relationship managers and corporate banking directors in 21 case banks from 2004 to 2008. Grounded theory models were developed to illustrate the value creation process in relationship banking. It was found that long-term bank–corporate relationships were established through trust-based personal communications. In the case, banks customer information and knowledge advantages were created. Risk-adjusted returns on assets were used to measure customer relationship performance, and relationship managers were rewarded accordingly. The interviewees thought that bank performance could be improved by managing customer credit risk and identifying cross-selling opportunities. This study starts to open up the ‘black box’ of how banks create shareholder value through relationship banking, provides a picture of relationship banking as a social phenomenon, and supplies some theoretical and managerial implications. The article also links the literature relevant to relationship banking from different disciplines. This is a new way of looking at the relationship banking phenomenon and relevant literature in an integrated manner.