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刘涛:城商行发展总体向好 应强化差异经营加快智慧经营
2017-09-21 18:17:05 中国经济网
中国经济网北京9月21日讯 经过20多年的砥砺前行,城商行已成为我国银行体系中的一支重要生力军。其发展呈现几个显著特点:一是发展速度快。截至2016年末,我国共有城商行134家,总资产达到28.24万亿元,较年初增长24.5%,高出银行业整体增速8.7个百分点,较2004年增长更是超过60倍。主要监管指标保持良好,主要经营指标增速高于商业银行平均水平。在2017年7月最新公布的英国《银行家》杂志“2017全球银行1000强”榜单上,北京银行、上海银行等一批城商行跻身前200名。二是差异化发展态势明显,进入“百花齐放、百家争鸣”的良性竞争局面。其中,既有资产规模超万亿元的特大型城商行,也有百亿元级别的地市级小型城商行,2000-5000亿元规模的中型城商行已成为服务地方经济建设、服务中小企业发展、支持地方普惠金融的中流砥柱。智慧银行、零售银行、精品银行、普惠银行、综合化银行等差异化战略交相辉印。三是做强做优成为普遍趋势。近年来,在地方政府的大力扶持下,部分城商行走向联合发展,推动一批省级法人银行迅速崛起。同时,为补充资本和加强公司治理,越来越多的城商行开始走向境内A股、境外H股和新三板等多层次资本市场融资。
尽管论规模、牌照、省外分支机构等硬指标,多数城商行暂时还比不上国有大型银行和全国性股份制银行,但只要不忘初心,立足当地、深耕当地,同样可以发挥为实体经济造血输血、为地方经济腾飞保驾护航、为普惠金融和精准扶贫添砖加瓦的积极作用。为更好地实现上述目标,城商行自身也应勤练“内功”,积极探索转型。第一,保持定力,突出稳健经营。坚持服务实体经济不动摇,坚持规范公司治理不动摇,坚持风险管控不动摇。第二,彰显魅力,强化差异经营。牢牢把握时代特征,立足地域特征,结合自身比较优势,探索差异化经营模式。紧跟国家和地方重大政策,明确业务发展重点。第三,展现活力,加快智慧经营。金融科技发展日新月异,既带来了挑战,也提供了崭新机遇。“船小好调头”的城商行将发挥体制机制和“软信息”优势,在监管合规的前提下,为客户提供更方便快捷的金融服务。(作者系江西银行战略研究院副院长刘涛)
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