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巴曙松:新常态下的商业银行转型新趋势

来源: 南方日报网络版     时间: 2019年06月17日 16:36:54
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新宝gg龙虎和平台直属招商客服QQ【7915✷171】诚招代理龙虎和龙虎1赔2.211合1赔9.95,定位胆1赔9.95腾讯5,10分欢乐生肖,最高返水100反9快,最高赔率,正规信誉大平台平台24h提供注册及登录。巴曙松:新常态下的商业银行转型新趋势

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(从)(统)(计)(数)(据)(分)(析)(,中)(国)(银)(行)(业)(的)(利)(润)(增)(速)(逐)(渐)(与)(非)(金)(融)(类)(上)(市)(公)(司)(接)(近)(,不)(同)(银)(行)(开)(始)(出)(现)(明)(显)(分)(化)(,需)(要)(寻)(找)(新)(的)(利)(润)(增)(长)(点)(。
从)(行)(业)(趋)(势)(上)(看)(,过)(去)(中)(国)(银)(行)(业)(得)(益)(于)(剥)(离)(不)(良)(资)(产)(和)(注)(资)(带)(来)(的)(政)(策)(红)(利)(、市)(场)(环)(境)(扩)(张)(以)(及)(牌)(照)(的)(优)(势)(,盈)(利)(高)(速)(增)(长)(;而)(近)(年)(来)(中)(国)(银)(行)(业)(的)(利)(润)(增)(速)(持)(续)(下)(行)(,并)(逐)(渐)(与)(非)(金)(融)(类)(上)(市)(公)(司)(接)(近)(,银)(行)(业)(的)(利)(润)(增)(速)(正)(在)(回)(归)(常)(态)(,不)(同)(银)(行)(在)(回)(落)(的)(态)(势)(里)(开)(始)(出)(现)(明)(显)(的)(分)(化)(。
在)(扩)(张)(期)(,受)(关)(注)(最)(多)(的)(是)(规)(模)(的)(扩)(张)(以)(及)(高)(速)(的)(增)(长)(,而)(在)(回)(落)(期)(我)(们)(可)(以)(观)(察)(,当)(初)(在)(扩)(张)(期)(的)(资)(产)(布)(局)(能)(否)(经)(得)(起)(周)(期)(回)(落)(的)(考)(验)(。例)(如)(,在)(负)(债)(端)(,当)(新)(的)(产)(品)(和)(销)(售)(渠)(道)(出)(现)(时)(,是)(否)(有)(足)(够)(的)(市)(场)(化)(创)(新)(能)(力)(来)(应)(对)(储)(蓄)(流)(失)(的)(危)(机)(;在)(利)(率)(和)(汇)(率)(波)(动)(比)(较)(大)(的)(背)(景)(下)(,是)(否)(拥)(有)(充)(分)(的)(资)(产)(负)(债)(风)(险)(管)(理)(能)(力)(来)(应)(对)(市)(场)(风)(险)(。因)(此)(,在)(行)(业)(扩)(张)(时)(期)(也)(许)(很)(难)(看)(出)(竞)(争)(力)(的)(差)(异)(,大)(小)(银)(行)(之)(间)(的)(结)(构)(都)(很)(类)(似)(,但)(在)(行)(业)(回)(落)(阶)(段)(可)(以)(看)(到)(不)(同)(银)(行)(的)(分)(化)(。
从)(趋)(势)(看)(,虽)(然)(2017年)(二)(季)(度)(的)(净)(利)(差)(与)(一)(季)(度)(相)(比)(稍)(有)(回)(升)(,但)(是)(总)(体)(上)(,中)(国)(银)(行)(业)(的)(净)(利)(差)(还)(会)(因)(为)(直)(接)(融)(资)(的)(发)(展)(和)(市)(场)(竞)(争)(的)(加)(剧)(而)(继)(续)(趋)(势)(性)(收)(窄)(。对)(比)(香)(港)(市)(场)(上)(的)(商)(业)(银)(行)(的)(净)(利)(差)(,也)(可)(以)(看)(出)(这)(一)(趋)(势)(。在)(竞)(争)(加)(剧)(的)(环)(境)(下)(,如)(何)(提)(高)(竞)(争)(力)(、寻)(求)(新)(的)(利)(润)(增)(长)(点)(显)(得)(尤)(为)(重)(要)(。
商)(业)(银)(行)(如)(何)(转)(型)(
从)(市)(场)(趋)(势)(看)(,在)(经)(济)(转)(型)(期)(,面)(临)(传)(统)(商)(业)(银)(行)(业)(务)(模)(式)(转)(型)(的)(压)(力)(,在)(利)(润)(增)(速)(回)(落)(时)(,不)(同)(银)(行)(也)(在)(积)(极)(探)(索)(转)(型)(的)(新)(趋)(势)(。
(一)()银)(行)(自)(身)(层)(面)(:探)(索)(新)(市)(场)(环)(境)(下)(的)(新)(增)(长)(点)(
1.轻)(型)(银)(行)(与)(交)(易)(银)(行)(:新)(环)(境)(下)(提)(高)(竞)(争)(力)(的)(切)(入)(点)(
从)(2017年)(上)(市)(银)(行)(半)(年)(报)(的)(披)(露)(信)(息)(中)(可)(以)(看)(到)(,在)(当)(前)(行)(业)(回)(落)(时)(期)(,不)(同)(银)(行)(的)(经)(营)(策)(略)(开)(始)(分)(化)(。有)(的)(银)(行)(依)(然)(采)(取)(扩)(张)(路)(线)(,不)(断)(扩)(大)(其)(资)(产)(负)(债)(规)(模)(;有)(的)(银)(行)(则)(主)(动)(选)(择)(缩)(表)(,并)(进)(行)(收)(入)(结)(构)(转)(型)(,即)(轻)(型)(化)(方)(向)(。经)(过)(一)(轮)(洗)(牌)(之)(后)(,预)(期)(可)(以)(看)(到)(差)(异)(化)(的)(商)(业)(模)(式)(和)(分)(化)(的)(经)(营)(策)(略)(。
与)(此)(同)(时)(,不)(同)(地)(区)(的)(银)(行)(也)(出)(现)(分)(化)(,与)(此)(轮)(经)(济)(周)(期)(中)(不)(良)(率)(的)(形)(成)(、上)(升)(和)(传)(递)(表)(现)(出)(明)(显)(的)(区)(域)(地)(点)(有)(密)(切)(关)(系)(。最)(初)(江)(浙)(等)(杠)(杆)(率)(比)(较)(高)(的)(地)(区)(新)(增)(不)(良)(占)(比)(接)(近)(一)(半)(,逐)(步)(向)(中)(部)(、西)(部)(、东)(北)(地)(区)(传)(递)(。现)(在)(来)(看)(,长)(三)(角)(等)(率)(先)(暴)(露)(风)(险)(的)(地)(区)(,经)(过)(几)(年)(的)(调)(整)(和)(处)(置)(,已)(经)(基)(本)(触)(底)(回)(升)(。这)(种)(情)(况)(下)(,就)(需)(要)(银)(行)(在)(资)(产)(组)(合)(、区)(域)(布)(局)(和)(行)(业)(布)(局)(上)(进)(行)(考)(虑)(,而)(不)(仅)(仅)(是)(追)(随)(大)(流)(。
自)(2015年)(以)(来)(,银)(行)(体)(系)(的)(规)(模)(增)(长)(与)(利)(润)(增)(长)(开)(始)(脱)(钩)(,一)(些)(银)(行)(开)(始)(强)(调)(轻)(型)(化)(。从)(资)(产)(结)(构)(看)(,以)(理)(财)(为)(主)(的)(表)(外)(资)(产)(增)(长)(速)(度)(高)(于)(资)(产)(负)(债)(表)(增)(长)(速)(度)(,资)(本)(耗)(用)(低)(的)(零)(售)(业)(务)(所)(占)(比)(重)(不)(断)(提)(升)(;从)(收)(入)(结)(构)(来)(看)(,国)(际)(先)(进)(银)(行)(的)(非)(息)(收)(入)(占)(比)(大)(约)(在)(40%,中)(资)(银)(行)(非)(息)(收)(入)(占)(比)(相)(对)(较)(低)(,但)(近)(年)(来)(呈)(现)(不)(断)(增)(长)(的)(趋)(势)(。(见)(图)(表)(2)
图)(表)(2中)(资)(银)(行)(非)(利)(息)(收)(入)(占)(比)(走)(势)(
资)(料)(来)(源)(:Wind
可)(以)(说)(,银)(行)(的)(轻)(型)(化)(正)(在)(成)(为)(一)(个)(大)(的)(趋)(势)(。但)(同)(时)(也)(应)(该)(看)(到)(,轻)(型)(化)(的)(背)(后)(必)(须)(要)(有)(实)(体)(业)(务)(的)(支)(持)(,只)(有)(保)(证)(足)(够)(多)(的)(客)(户)(量)(和)(传)(统)(业)(务)(,轻)(型)(化)(才)(有)(基)(础)(,这)(也)(是)(银)(行)(在)(轻)(型)(化)(过)(程)(中)(需)(要)(掌)(握)(好)(的)(一)(个)(平)(衡)(。
投)(行)(和)(资)(管)(业)(务)(成)(为)(带)(动)(银)(行)(转)(型)(的)(活)(跃)(领)(域)(。大)(资)(管)(和)(大)(投)(行)(业)(务)(是)(上)(市)(银)(行)(推)(进)(战)(略)(转)(型)(、培)(育)(核)(心)(竞)(争)(力)(的)(重)(点)(发)(展)(方)(向)(之)(一)(。所)(谓)(“大)(资)(管)(和)(大)(投)(行)(”,就)(是)(要)(求)(银)(行)(不)(再)(仅)(仅)(作)(为)(基)(金)(公)(司)(、证)(券)(公)(司)(和)(信)(托)(公)(司)(的)(一)(个)(销)(售)(渠)(道)(,而)(是)(要)(顺)(应)(新)(的)(资)(产)(配)(置)(需)(求)(,提)(高)(自)(身)(的)(产)(品)(设)(计)(能)(力)(,更)(好)(地)(满)(足)(客)(户)(的)(资)(产)(配)(置)(需)(求)(,同)(时)(加)(强)(对)(资)(管)(行)(业)(上)(中)(下)(游)(的)(金)(融)(机)(构)(的)(服)(务)(整)(合)(能)(力)(。这)(是)(一)(个)(大)(的)(发)(展)(趋)(势)(,也)(是)(银)(行)(业)(面)(对)(直)(接)(融)(资)(快)(速)(发)(展)(所)(必)(须)(要)(做)(出)(的)(一)(个)(转)(型)(调)(整)(。
2017年)(以)(来)(,中)(国)(银)(行)(业)(存)(款)(规)(模)(下)(降)(与)(货)(币)(基)(金)(规)(模)(增)(长)(基)(本)(处)(于)(同)(一)(数)(量)(级)(,大)(致)(可)(以)(看)(出)(货)(币)(基)(金)(蚕)(食)(银)(行)(存)(款)(的)(趋)(势)(。如)(果)(银)(行)(不)(积)(极)(跟)(进)(,这)(种)(冲)(击)(会)(越)(来)(越)(明)(显)(。从)(国)(际)(经)(验)(看)(,美)(国)(银)(行)(业)(受)(货)(币)(基)(金)(崛)(起)(的)(影)(响)(,银)(行)(的)(活)(期)(存)(款)(比)(例)(从)(60%下)(降)(到)(10%。从)(近)(几)(年)(货)(币)(基)(金)(的)(运)(营)(看)(,其)(总)(体)(回)(报)(水)(平)(持)(续)(高)(于)(银)(行)(存)(款)(。随)(着)(基)(金)(产)(品)(持)(续)(的)(客)(户)(渗)(透)(,如)(果)(中)(国)(银)(行)(业)(不)(进)(行)(“大)(资)(管)(+大)(投)(行)(”的)(业)(务)(转)(型)(,那)(就)(很)(有)(可)(能)(看)(到)(美)(国)(市)(场)(的)(替)(代)(过)(程)(在)(中)(国)(市)(场)(重)(演)(,市)(场)(化)(的)(融)(资)(渠)(道)(就)(会)(继)(续)(侵)(蚀)(银)(行)(的)(负)(债)(基)(础)(。
从)(资)(产)(管)(理)(的)(价)(值)(链)(分)(布)(看)(,投)(行)(业)(务)(实)(际)(上)(也)(成)(为)(商)(业)(银)(行)(内)(部)(资)(产)(管)(理)(部)(门)(的)(产)(品)(设)(计)(部)(门)(,投)(行)(和)(资)(管)(业)(务)(的)(联)(动)(,有)(助)(于)(增)(强)(商)(业)(银)(行)(对)(客)(户)(服)(务)(的)(针)(对)(性)(。据)(《中)(国)(银)(行)(家)(调)(查)(报)(告)(》对)(中)(间)(业)(务)(收)(入)(来)(源)(的)(调)(查)(统)(计)(,投)(行)(、理)(财)(收)(入)(稳)(居)(商)(业)(银)(行)(中)(间)(业)(务)(收)(入)(来)(源)(前)(两)(位)(。资)(管)(业)(务)(发)(展)(的)(主)(要)(方)(向)(为)(回)(归)(资)(产)(管)(理)(业)(务)(本)(质)(,提)(高)(资)(产)(配)(置)(能)(力)(。而)(投)(行)(业)(务)(主)(要)(围)(绕)(产)(业)(基)(金)(、PPP(公)(私)(合)(营)()项)(目)(等)(创)(新)(股)(权)(融)(资)(产)(品)(,同)(做)(强)(债)(券)(承)(销)(、投)(融)(资)(顾)(问)(、银)(团)(贷)(款)(等)(基)(础)(类)(投)(行)(业)(务)(。
拓)(展)(新)(的)(价)(值)(链)(:交)(易)(银)(行)(崛)(起)(。交)(易)(银)(行)(正)(成)(为)(公)(司)(业)(务)(转)(型)(新)(趋)(势)(。在)(利)(率)(市)(场)(化)(、人)(民)(币)(国)(际)(化)(、跨)(境)(交)(易)(以)(及)(互)(联)(网)(金)(融)(等)(加)(速)(发)(展)(的)(背)(景)(下)(,发)(展)(交)(易)(银)(行)(业)(务)(日)(益)(成)(为)(传)(统)(商)(业)(银)(行)(转)(型)(发)(展)(、拓)(展)(收)(入)(渠)(道)(与)(提)(升)(自)(身)(竞)(争)(力)(的)(关)(键)(。交)(易)(银)(行)(重)(点)(的)(发)(展)(方)(向)(主)(要)(集)(中)(在)(支)(付)(结)(算)(、现)(金)(管)(理)(、供)(应)(链)(金)(融)(和)(贸)(易)(金)(融)(等)(。
发)(展)(交)(易)(银)(行)(的)(另)(一)(个)(目)(的)(,就)(是)(服)(务)(中)(小)(企)(业)(。发)(展)(交)(易)(银)(行)(有)(助)(于)(银)(行)(挖)(掘)(新)(的)(业)(务)(增)(长)(点)(,拓)(展)(低)(成)(本)(的)(负)(债)(来)(源)(,提)(升)(客)(户)(黏)(性)(,同)(时)(还)(可)(以)(拓)(展)(交)(叉)(型)(业)(务)(,拓)(展)(新)(的)(收)(益)(渠)(道)(,支)(持)(实)(体)(经)(济)(发)(展)(。
2.资)(产)(质)(量)(:检)(验)(银)(行)(跨)(周)(期)(经)(营)(的)(竞)(争)(力)(
《中)(国)(银)(行)(家)(调)(查)(报)(告)((2016)》显)(示)(,81.3%的)(银)(行)(家)(认)(为)(,信)(用)(风)(险)(是)(银)(行)(业)(将)(会)(面)(临)(的)(主)(要)(风)(险)(。虽)(然)(受)(到)(经)(济)(回)(暖)(影)(响)(,2017年)(上)(半)(年)(银)(行)(业)(资)(产)(质)(量)(有)(所)(改)(善)(,但)(当)(前)(宏)(观)(经)(济)(下)(行)(压)(力)(依)(然)(较)(大)(,实)(体)(经)(济)(经)(营)(困)(难)(向)(金)(融)(领)(域)(传)(导)(仍)(在)(持)(续)(。这)(也)(是)(对)(商)(业)(银)(行)(扩)(张)(期)(资)(产)(组)(合)(的)(检)(验)(。
对)(于)(不)(良)(贷)(款)(上)(升)(的)(原)(因)(,调)(查)(结)(果)(显)(示)(,58.7%的)(银)(行)(家)(认)(为)(主)(要)(由)(宏)(观)(层)(面)(引)(起)(。在)(延)(续)(经)(济)(增)(速)(换)(挡)(期)(、结)(构)(调)(整)(阵)(痛)(期)(和)(前)(期)(政)(策)(刺)(激)(消)(化)(期)(“三)(期)(叠)(加)(”的)(背)(景)(下)(,实)(体)(企)(业)(普)(遍)(出)(现)(周)(期)(性)(产)(能)(过)(剩)(,部)(分)(行)(业)(现)(金)(流)(萎)(缩)(,利)(润)(下)(滑)(。根)(本)(上)(体)(现)(的)(是)(银)(行)(跨)(周)(期)(的)(竞)(争)(能)(力)(。
银)(行)(业)(在)(经)(济)(扩)(张)(时)(候)(面)(临)(的)(挑)(战)(,其)(中)(之)(一)(是)(短)(期)(的)(考)(核)(机)(制)(容)(易)(使)(信)(用)(风)(险)(释)(放)(后)(移)(,因)(此)(资)(产)(质)(量)(是)(检)(验)(银)(行)(跨)(周)(期)(运)(营)(能)(力)(的)(非)(常)(重)(要)(的)(角)(度)(。从)(半)(年)(报)(的)(数)(据)(看)(,部)(分)(银)(行)(开)(始)(慢)(慢)(出)(现)(不)(良)(率)(降)(低)(的)(情)(况)(,这)(背)(后)(有)(区)(域)(的)(因)(素)(,也)(有)(加)(大)(核)(销)(、调)(整)(资)(产)(结)(构)(等)(原)(因)(。当)(前)(经)(济)(正)(面)(临)(转)(型)(,经)(济)(运)(行)(的)(复)(杂)(度)(提)(升)(,不)(仅)(需)(要)(加)(强)(基)(于)(逐)(笔)(资)(产)(质)(量)(的)(管)(理)(,还)(要)(有)(基)(于)(组)(合)(的)(管)(理)(,对)(整)(个)(宏)(观)(层)(面)(、区)(域)(、行)(业)(进)(行)(判)(断)(以)(后)(,主)(动)(进)(行)(资)(产)(组)(合)(的)(调)(整)(。
与)(事)(后)(处)(理)(不)(良)(相)(比)(,更)(需)(要)(提)(升)(的)(是)(事)(前)(的)(战)(略)(布)(局)(能)(力)(。比)(如)(,当)(判)(断)(经)(济)(处)(于)(转)(型)(期)(,则)(防)(守)(型)((即)(衣)(食)(住)(行)(等)()相)(关)(产)(业)(不)(良)(率)(相)(对)(低)(,而)(强)(周)(期)(的)(行)(业)(波)(动)(较)(大)(,掌)(握)(这)(样)(的)(规)(律)(便)(可)(预)(先)(布)(局)(,这)(就)(是)(基)(于)(组)(合)(的)(管)(理)(。或)(者)(当)(意)(识)(到)(基)(于)(区)(域)(推)(进)(的)(风)(险)(时)(,就)(应)(该)(将)(资)(源)(放)(在)(风)(险)(已)(经)(触)(底)(的)(区)(域)(。
目)(前)(大)(部)(分)(银)(行)(仍)(主)(要)(依)(赖)(于)(不)(良)(催)(收)(、核)(销)(重)(组)(等)(常)(规)(处)(置)(方)(式)(,只)(有)(少)(数)(银)(行)(开)(始)(着)(眼)(于)(不)(良)(资)(产)(转)(让)(或)(证)(券)(化)(、债)(转)(股)(等)(新)(型)(处)(置)(方)(式)(。未)(来)(随)(着)(监)(管)(部)(门)(的)(政)(策)(放)(开)(和)(支)(持)(,上)(市)(银)(行)(不)(仅)(需)(要)(完)(善)(各)(项)(传)(统)(处)(置)(方)(式)(,更)(要)(积)(极)(创)(新)(,提)(高)(收)(款)(效)(率)(。培)(育)(市)(场)(化)(的)(不)(良)(资)(产)(处)(置)(能)(力)(,进)(行)(全)(流)(程)(反)(馈)(和)(改)(进)(,以)(及)(采)(取)(适)(当)(的)(不)(良)(资)(产)(处)(置)(手)(段)(与)(方)(案)(设)(计)(,应)(成)(为)(上)(市)(银)(行)(在)(不)(良)(资)(产)(处)(置)(方)(面)(培)(育)(核)(心)(竞)(争)(力)(的)(发)(力)(重)(点)(。
3.顺)(应)(融)(资)(结)(构)(调)(整)(趋)(势)(:拓)(展)(资)(本)(市)(场)(业)(务)(
2017年)(全)(国)(金)(融)(工)(作)(会)(议)(明)(确)(提)(出)(要)(发)(展)(直)(接)(融)(资)(,改)(善)(间)(接)(融)(资)(结)(构)(,降)(低)(金)(融)(机)(构)(经)(营)(成)(本)(。因)(此)(,银)(行)(业)(需)(要)(学)(会)(运)(用)(资)(本)(市)(场)(,拓)(展)(和)(资)(本)(市)(场)(相)(关)(的)(业)(务)(,如)(投)(行)(业)(务)(、资)(管)(业)(务)(、并)(购)(业)(务)(等)(。目)(前)(中)(国)(的)(并)(购)(有)(六)(成)(以)(上)(是)(以)(上)(市)(公)(司)(作)(为)(主)(体)(来)(进)(行)(,如)(果)(银)(行)(业)(对)(于)(整)(个)(上)(市)(公)(司)(的)(运)(行)(和)(投)(融)(资)(行)(为)(不)(了)(解)(,那)(就)(很)(难)(介)(入)(这)(些)(并)(购)(业)(务)(。
(二)()外)(部)(监)(管)(层)(面)(:盲)(目)(扩)(张)(的)(商)(业)(模)(式)(难)(以)(持)(续)(,需)(要)(在)(新)(的)(监)(管)(政)(策)(导)(向)(下)(进)(行)(调)(整)(
“宏)(观)(审)(慎)(”与)(“微)(观)(审)(慎)(”相)(结)(合)(的)(监)(管)(框)(架)(不)(断)(完)(善)(。首)(先)(通)(过)(MPA(宏)(观)(审)(慎)(评)(估)()体)(系)(不)(断)(完)(善)(监)(管)(措)(施)(,从)(规)(模)(、增)(速)(、占)(比)(等)(维)(度)(来)(实)(现)(系)(统)(化)(、动)(态)(化)(的)(宏)(观)(审)(慎)(监)(管)(。然)(而)(现)(有)(MPA考)(核)(的)(激)(励)(与)(惩)(罚)(机)(制)((差)(异)(化)(法)(定)(存)(款)(准)(备)(金)(率)()相)(对)(单)(一)(,通)(过)(把)(MPA的)(考)(核)(结)(果)(与)(各)(项)(准)(入)(和)(资)(质)(进)(行)(挂)(钩)(,强)(化)(监)(管)(约)(束)(。另)(一)(方)(面)(,配)(合)(微)(观)(审)(慎)(监)(管)(打)(破)(银)(行)(-非)(银)(套)(利)(交)(易)(结)(构)(,弥)(补)(宏)(观)(审)(慎)(监)(管)(。
从)(加)(杠)(杆)(到)(去)(杠)(杆)(:监)(管)(驱)(动)(商)(业)(银)(行)(资)(产)(负)(债)(表)(的)(调)(整)(。当)(前)(,表)(内)(资)(产)(端)(的)(投)(资)(占)(比)(不)(断)(提)(升)(,标)(准)(化)(债)(券)(投)(资)(比)(例)(降)(低)(,非)(标)(和)(权)(益)(类)(资)(产)(占)(比)(提)(升)(。目)(前)(去)(杠)(杆)(的)(过)(程)(可)(以)(视)(为)(过)(去)(两)(三)(年)(加)(杠)(杆)(的)(一)(个)(逆)(过)(程)(,对)(整)(个)(市)(场)(结)(构)(的)(影)(响)(是)(多)(方)(面)(的)(。例)(如)(,在)(业)(务)(形)(态)(上)(,原)(本)(视)(为)(传)(统)(业)(务)(的)(存)(贷)(汇)(占)(比)(开)(始)(回)(升)(,而)(其)(他)(被)(视)(为)(创)(新)(的)(业)(务)(增)(长)(速)(度)(反)(而)(减)(慢)(;在)(市)(场)(集)(中)(度)(上)(,由)(于)(之)(前)(加)(杠)(杆)(过)(程)(使)(得)(部)(分)(小)(银)(行)(突)(破)(资)(本)(金)(约)(束)(、分)(支)(机)(构)(约)(束)(、产)(品)(线)(的)(约)(束)(,扩)(张)(业)(务)(领)(域)(进)(而)(崛)(起)(,令)(整)(个)(市)(场)(集)(中)(度)(有)(所)(降)(低)(,因)(而)(去)(杠)(杆)(的)(过)(程)(中)(应)(该)(会)(看)(到)(市)(场)(的)(集)(中)(度)(重)(新)(有)(所)(上)(升)(,重)(新)(影)(响)(现)(有)(银)(行)(格)(局)(,令)(小)(银)(行)(承)(压)(。
监)(管)(更)(为)(重)(视)(表)(内)(外)(资)(产)(配)(置)(,强)(化)(穿)(透)(原)(则)(。监)(管)(部)(门)(对)(投)(资)(和)(理)(财)(业)(务)(进)(行)(流)(向)(跟)(踪)(,2016年)(迅)(速)(扩)(大)(的)(同)(业)(存)(单)(、同)(业)(理)(财)(、委)(外)(投)(资)(等)(都)(纳)(入)(统)(计)(,监)(管)(漏)(洞)(不)(断)(填)(补)(。对)(于)(嵌)(套)(的)(资)(管)(产)(品)(、收)(益)(权)(等)(,强)(化)(底)(层)(资)(产)(穿)(透)(监)(管)(原)(则)(,掌)(握)(最)(终)(资)(金)(投)(向)(。
监)(管)(更)(为)(关)(注)(流)(动)(性)(风)(险)(管)(理)(,同)(业)(业)(务)(成)(为)(重)(中)(之)(重)(。对)(同)(业)(、理)(财)(业)(务)(进)(行)(专)(项)(检)(查)(和)(监)(管)(。严)(控)(依)(靠)(主)(动)(负)(债)(和)(表)(外)(理)(财)(迅)(速)(进)(行)(资)(产)(负)(债)(表)(内)(表)(外)(扩)(张)(行)(为)(。流)(动)(性)(期)(限)(缺)(口)(监)(测)(以)(及)(LCR(流)(动)(性)(覆)(盖)(率)()指)(标)(监)(管)(将)(不)(断)(趋)(严)(。
监)(管)(鼓)(励)(创)(新)(业)(务)(发)(展)(。重)(点)(推)(动)(资)(产)(证)(券)(化)(、信)(贷)(资)(产)(转)(让)(、市)(场)(化)(债)(转)(股)(、政)(府)(产)(业)(基)(金)(和)(投)(贷)(联)(动)(等)(创)(新)(类)(业)(务)(。
(三)()金)(融)(科)(技)(等)(外)(部)(冲)(击)(:商)(业)(银)(行)(正)(尝)(试)(将)(外)(部)(挑)(战)(融)(合)(为)(提)(升)(竞)(争)(力)(的)(动)(力)(
金)(融)(科)(技)(给)(银)(行)(业)(的)(传)(统)(商)(业)(模)(式)(带)(来)(了)(巨)(大)(挑)(战)(,而)(银)(行)(业)(正)(在)(积)(极)(探)(索)(将)(这)(些)(外)(部)(挑)(战)(融)(合)(为)(提)(升)(竞)(争)(力)(的)(动)(力)(。
金)(融)(科)(技)(是)(从)(金)(融)(端)(来)(运)(用)(科)(技)(技)(术)(,或)(者)(说)(从)(科)(技)(端)(学)(会)(运)(用)(金)(融)(工)(具)(,二)(者)(其)(实)(是)(从)(不)(同)(的)(路)(径)(向)(中)(间)(走)(。比)(如)(,银)(行)(新)(的)(业)(务)(增)(长)(点)(往)(往)(是)(围)(绕)(新)(的)(场)(景)(展)(开)(,而)(对)(银)(行)(挑)(战)(最)(大)(的)(地)(方)(在)(于)(,很)(多)(新)(的)(场)(景)(与)(银)(行)(无)(关)(,实)(体)(经)(济)(和)(互)(联)(网)(企)(业)(构)(建)(的)(场)(景)(可)(以)(实)(现)(自)(我)(信)(息)(采)(集)(,自)(我)(风)(险)(评)(估)(,从)(而)(提)(供)(金)(融)(服)(务)(,与)(传)(统)(银)(行)(没)(有)(关)(系)(。银)(行)(未)(来)(需)(要)(建)(立)(自)(己)(的)(场)(景)(或)(者)(利)(用)(好)(现)(有)(的)(场)(景)(,来)(采)(集)(用)(户)(的)(信)(息)(。通)(过)(积)(累)(数)(据)(,运)(用)(大)(数)(据)(处)(理)(来)(发)(展)(业)(务)(,而)(不)(仅)(仅)(停)(留)(在)(移)(动)(支)(付)(、网)(络)(销)(售)(等)(方)(面)(。
在)(利)(用)(金)(融)(科)(技)(解)(决)(银)(行)(业)(经)(营)(痛)(点)(的)(策)(略)(上)(,金)(融)(机)(构)(应)(该)(主)(动)(地)(加)(入)(金)(融)(科)(技)(生)(态)(。另)(外)(,任)(何)(新)(技)(术)(新)(模)(式)(的)(商)(业)(应)(用)(,都)(需)(要)(一)(个)(摸)(索)(和)(试)(错)(的)(过)(程)(,风)(险)(投)(资)(机)(构)(最)(善)(于)(处)(理)(此)(类)(技)(术)(创)(业)(项)(目)(,银)(行)(业)(只)(有)(与)(专)(业)(投)(资)(机)(构)(配)(合)(,才)(能)(有)(效)(控)(制)(探)(索)(创)(新)(可)(能)(带)(来)(的)(额)(外)(成)(本)(,更)(加)(稳)(健)(地)(参)(与)(到)(创)(新)(生)(态)(中)(来)(。因)(此)(,在)(金)(融)(科)(技)(产)(业)(生)(态)(建)(设)(中)(,各)(类)(机)(构)(的)(合)(作)(创)(新)(可)(以)(有)(多)(种)(实)(现)(模)(式)(:
其)(一)(,银)(行)(类)(金)(融)(机)(构)(通)(过)(借)(鉴)(金)(融)(科)(技)(产)(业)(创)(新)(思)(路)(,自)(行)(研)(发)(创)(新)(金)(融)(技)(术)(,构)(建)(产)(业)(生)(态)(。
其)(二)(,采)(用)(与)(金)(融)(科)(技)(公)(司)(合)(作)(的)(形)(式)(,利)(用)(金)(融)(科)(技)(公)(司)(的)(创)(新)(成)(果)(,来)(推)(动)(银)(行)(业)(金)(融)(科)(技)(业)(态)(的)(研)(发)(与)(应)(用)(。
其)(三)(,利)(用)(“投)(贷)(联)(动)(”等)(产)(业)(政)(策)(契)(机)(,以)(投)(资)(带)(动)(合)(作)(,与)(专)(业)(投)(资)(机)(构)(联)(动)(,由)(金)(融)(机)(构)(投)(资)(或)(参)(股)(金)(融)(科)(技)(创)(业)(公)(司)(,来)(构)(筑)(双)(方)(深)(度)(业)(务)(合)(作)(的)(开)(展)(。
未)(来)(银)(行)(创)(新)(报)(告)(2017(执)(行)(摘)(要)()返)(回)(搜)(狐)(,查)(看)(更)(多)(
责)(任)(编)(辑)(:
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