金融创新与银行的核心竞争力.docVIP

论我国银行的核心竞争力 吴丹 Financial innovation and banks core competitiveness Wu, Dan 摘 要 银行业作为金融体系的核心部分，对金融业的发展具有至关重要的意义。自2006年12月11日，我国结束了加入世界贸易组织的过渡期，迎来了一个崭新的阶段，封闭的金融环境不复存在，我国的竟然市场全面对外开放。我国的银行业不仅仅要面对国内同业的激烈竞争，还需要面对国际强手的挑战，在创新中谋求发展，是我国银行业走向成功的必经之路 目前，我国四大国有商业银行的不良债权居高不下, 加上外资银行逐步进人中国市场, 使国有商业银行的地位逐步下降, 其业务经营步履艰难。如何延伸服务功能，寻找新的业务增长点，使国有商业银行迅速走出困境? 本文认为，关键是提高国有商业银行的核心竞争力，而提高核心竞争力的关键又在于大胆地进行金融创新。只有金融创新，才能提高国有商业银行的核心竞争力，从而走出困境。 关键词：金融创新；核心竞争力；组织流程再造；银行营销体系 Abstracts The banking sector as a core part of the financial system, the development of the financial sector has a vital significance. Since December 11, 2006, the end of the transition period of the accession to the World Trade Organization, and usher in a new stage, the closed financial environment no longer exists, even of the market will be fully open to the public. The banking sector of the country not only to face the fierce competition in the domestic industry, and also need to face the challenge of strong international, innovation in the pursuit of development, it is the only way of the success of Chinas banking industry Currently, the high non-performing loans of Chinas four major state-owned commercial banks, and foreign banks gradually into the Chinese market, the gradual decline of the status of the state-owned commercial banks, its business falter. How to extend the service function, looking for new business growth, the state-owned commercial banks out of the woods quickly? Paper argues that the key is to improve the core competitiveness of state-owned commercial banks, and the key to enhance the core competitiveness of financial innovation that boldly. Financial innovation, in order to improve the core competitiveness of state-owned commercial banks, and thus out of the woods Therefore, the analysis of the relationship between financial innovation and banks core competitiveness, how to evaluate the core competitiveness of Chinas banking industry and how financial innovation in order to build the core competitiven