机制与执行力国际金融保险学院教师赴台州市商业银行调研报告

台州市商业银行2002年成立后在市场占有率、利润和不良资产控制上都取得了不俗的成绩。合理的产权结构、严格有效的信贷管理制度、准确的市场定位及适合小企业贷款的管理技术、人才选拔和培养方式，是帮助银行取得成功的重要因素，银行在制度执行上的强大执行力是银行成功的关键。银行可以通过股权激励、资本管理、贷款定价等方面的改革进一步加快发展步伐。

Mechanism and Execution——Investigation Report on Commercial Bank of Tai Zhou from Faculty of International Finance and Insurance Department of Shanghai Finance University

Commercial Bank of Tai Zhou, established in 2002, has got impressive performance on market occupancy ratio, management of profit and bad assets. Rational property structure, strict and effective credit management, accurate market orientation, proper loan management for the small enterprises and good approach of training and selecting of talents are the important factors for the success of the bank. Meanwhile, powerful execution is the key for the success of the bank. The bank can accelerate its development through equity incentive, capital management and loan pricing.