An analysis on the core competence of state-owned commercial banks
Abstract: On December 11, 2006, Chinese financial market began its total opening up to the outside world, and thus Chinese and overseas commercial banks started to conmpete with each other on the same platform.Under the condition that the financial industry becomes increasingly globalized ,informationized, internationalized Chinese commercial banks face more and more competition and concussion. Chinese state-owned commercial banks not only face increasing domestic competition,but also face severe challenges from outside. Faced with this competitive situation, how to increase their core competence and win their own way in the competition of the world is the key of our considerations. In view of this phenomenon, this article firstly described the status of state-owned bank's core competitiveness, and then analyzes the problems of the competitiveness of state-owned bank's core separately from the system, human resources and financial innovation, and puts forward strategies. Key word: state-owned commercial banks; core conmpetence; human resources ; financial innovation 目 录 一、引言………………………………………………………………………………1 二、国有商业银行核心竞争力的现状………………………………………………1 中国银行…………………………………………………………………2 中国工商银行……………………………………………………………2 中国建设银行……………………………………………………………3 中国农业银行……………………………………………………………3 三、国有商业银行核心竞争力欠缺的原因分析……………………………………4 制度方面…………………………………………………………………4 产权制度一元化，经营自主落实难…………………………………………4 治理结构不合理，国有产权虚置……………………………………………4 机构臃肿，效率较低…………………………………………………………5 缺乏具有特色的企业文化………………………………………………… 5 人力资源方面……………………………………………………………6 缺乏健全的人才培训机制………………………………………………… 7 缺乏健全的激励约束机制………………………………………………… 7 金融创新方面……………………………………………………………8 创新管理机制落后………………………………………………………… 8 金融管制严，缺乏内在动力…………………………………………………9 科技应用水平不高，产品创新不足…………………………………………9 四、提升国有商业银行核心竞争力的策略………………………………………… 9 优化和完善制度安排，打造核心竞争力的基础………………………9 完善公司治理结构，建立现代银行公司制度…………………………… 9 精简机构，实行扁平式管理……………………………………………… 9 培养具有特色的企业文化…………………………………………………10 加强人力资源管理，打造核心竞争力载体……………………………10 加大人力资源投入，提升职员素质……………………………………… 10 建立公平、公正的晋升制度……………………………………………… 10 改进收入分配制度，适当拉开差距……………………………………… 11 加快金融创新，打造核心竞争力保障…………………………………11 健全金融创新机制…………………………………………………………11 加快技术和产品创新………………………………………………………11 实施品牌战略………………………………………………………………12 五、结束语……………………………………………………………………………12 参考文献…………………………………………………………………………… 13
