中国银行家调查报告 2010 英文版PDF|Epub|txt|kindle电子书版本网盘下载

中国银行家调查报告 2010 英文版PDF格式电子书版下载

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Executive Summary1

Part Ⅰ The Economic Situation9

Ⅰ．Complex and uncertain economic trends and significant operational diversities among business enterprises10

Ⅱ．Uncertainties in the real estate market bring huge pressure on bankers13

Ⅲ．Bankers recognize the effects of macroeconomic policy but give low score to industrial policy15

Ⅳ．Transformation of economic development model and adjustment of industrial structure as the external environment factors that draw the most attention of Chinese bankers16

Ⅴ．Financial ecological environments are better,and the construction of the credit environment and the legal environments are at the core22

Part Ⅱ Development Strategies24

Ⅰ．Fierce horizontal competition and increasing pressure in attracting customer deposits identified as biggest challenges in bank operations25

Ⅱ．Transformation of the business structure as the top priority in the bank's strategy adjustment26

Ⅲ．SME financial service,the important orientation for transformation of the bank's customer base27

Ⅳ．Attention to rural financial services incrementally increasing33

Ⅴ．Insurance industry,the first-choice for comprehensive operations38

Ⅵ．Seize opportunities and implement the"going global"strategy to first set foot in surrounding countries and regions43

Part Ⅲ Business Development49

Ⅰ．Infrastructure and new energy industry arouse attention and the credit supply is curbed in"high-pollution,high-energy-consumption,and overproduction"industries50

Ⅱ．Developing investment banking services to cope with challenges from financial disintermediation56

Ⅲ．Wealth management as the key for the development of personal financial services61

Ⅳ．Personal mortgage loan standards are increasingly tightened,and the cultivation of credit card brand characteristics is taken as the core66

Ⅴ．"Expanding the e-banking channel and promoting the transformation of outlet functions"regarded as the key in channel construction68

Part Ⅳ Risk Management69

Ⅰ．Non-performing loans likely to rise periodically but unlikely to increase structurally70

Ⅱ．Attitude to the real estate-related business development is cautious,and the concern about its associated risk is paramount72

Ⅲ．Difficulties in learning about the local government's overall debt situation is a bottleneck for the risks involved in managing government-financing platforms77

Ⅳ．Reinforcement of risk management contributes to business development83

Ⅴ．Credit risk is also most critical,and compliance risk attracts more concerns86

Ⅵ．Improving the risk quantification level is the key to implementing the New Basel Capital Accord88

Part Ⅴ Corporate Governance90

Ⅰ．Large room for improvement for incentive and monitoring mechanisms91

Ⅱ．Satisfaction with present"head office and branch"management structures93

Ⅲ．Relatively healthy information disclosure system,consistently improving internal management transparency98

Part Ⅵ Information Systems100

Ⅰ．Information systems continue to draw attention from bankers101

Ⅱ．Different priorities when building information systems,and large commercial banks have better information systems103

Ⅲ．Data mining and information integration are top priorities of future information system construction104

Part Ⅶ Human Resources105

Ⅰ．Growth of employee numbers expected to slow down;unlisted banks to expand rapidly106

Ⅱ．Talent succession planning,salary systems,and training mechanisms await improvement107

Part Ⅷ Corporate Culture108

Ⅰ．Promotional slogans highlight the core values and operational philosophies109

Ⅱ．Corporate culture construction universally emphasized110

Part Ⅸ Assessment of Regulatory Policies111

Ⅰ．Regulatory policies universally recognized112

Ⅱ．Counter-cyclical capital regulation and leverage ratio regulation recognized by bankers114

Ⅲ．Improved differentiation of regulatory indicators and development of diversified capital replenishment channels117

Ⅳ．New lending rules widely accepted and overall implementation in good order119

Ⅴ．Balance between financial stability and financial innovation to define good regulation121

Ⅵ．Tax policies should take full account of the banking industry's development needs122

Part Ⅹ The Bankers124

Ⅰ．Strategic management and business development abilities viewed as bankers'foremost qualities125

Ⅱ．Urgency in improving innovation capacities at the phase of transformation126

Ⅲ．All-round talent competition mechanism to cultivate more good bankers127

Part Ⅺ Forward-looking Opinions128

Ⅰ．Projection of income growth and profit129

Ⅱ．Projection of non-performing loan ratios and provision coverage131

Ⅲ．CAR projection132

Appendix133

Introduction of the project background and its implernentation134

Top 30 banks in the Chinese banking industry139

Working together to deliver success140

Interview NotesInterview Notes Ⅰ From economic transformation to financial transformation18

Interview Notes Ⅱ SME financial services advanced to a strategic height30

Interview Notes Ⅲ Go to the countryside!35

Interview Notes Ⅳ On boosting comprehensive business operations40

Interview Notes Ⅴ Accumulate strength to promote globalization45

Interview Notes Ⅵ The optimization and upgrading of the industrial structures boost the adjustment of the credit structures52

Interview Notes Ⅶ Actively expanding investment banking58

Interview Notes Ⅷ Private banking struggles to get going63

Interview Notes Ⅸ Looking out for the real estate market's short-term risks74

Interview Notes Ⅹ The risk associated with local government-financing platform loans is manageable overall,but potential risks require attention79

Interview Notes Ⅺ Exploring the scientific organizational structures and performance evaluation mechanisms95