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巴曙松:中国银行业积极转型 业务结构更为多元
2017-09-22 10:22:18 中国经济网
2011年4月,中国银监会发布了中国银行业实施新监管标准的指导意见,在全球主要经济体中较早地将巴塞尔协议II和巴塞尔协议III等国际金融监管改革共识进行了本土化。中国银监会在流动性、拨备覆盖率、风险集中度、不良资产率等传统审慎监管工具的基础上,陆续引入并更新了资本、拨备、流动性、杠杆率等银行监管工具,银行监管的工具箱不断充实和完善。2016年初引入了宏观审慎评估体系,将“宏观审慎”与“微观审慎”相结合,监管框架不断完善。
2017年中国银行业监管更加关注化解金融风险、服务实体经济,在第五次全国金融工作会议召开后,监管协调性和跨市场监管能力得以提升,对于银行业的平稳发展起到了重要作用。
四、中国银行业积极转型,业务结构更为多元,增长模式更为稳健。在新常态的经济增长环境下,中国银行业为提高风险应对能力和市场竞争力,不断拓展新的业务增长点,覆盖新的客户和市场,探索新的业务增长模式,例如传统的信贷资产在银行的资产负债表的重要性开始下降,不再一味追求信贷规模扩大支持下的增长也越来越成为中国银行业的共识,一些银行开始主动选择收缩资产负债表、调整收入结构,向资本耗用低的轻型化银行发展。
自2015年以来,可以观察到,中国银行体系的规模增长与利润增长便开始脱钩,一些银行开始加速向轻型化方向发展,资本消耗较低的零售业务占重比不断提升,非息收入占比不断增长。2017年上半年,16家上市银行的非息收入占比加权平均达到33.33%,已接近国际先进银行的平均水平。同时,投资银行和资产管理业务等成为带动银行转型的活跃领域。银行通过提高自身的产品设计能力,加强对上下游金融机构的服务整合能力,更好地满足客户的资产配置需求。
与此同时,中国银行业也主动拥抱金融科技领域的最新发展,通过建立自己的应用场景和业务数据的不断积累,提升客户体验,积极探索将外部金融科技带来的挑战融合为提升竞争力的动力来源。(作者:中国银行业协会首席经济学家、“十三五”国家发展规划专家委员会委员 巴曙松)
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