?!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd"> title_temp 银行业战略转型迫在眉?西安银行最新动?西安贷款?/title> <link href="http://yfdkyxgs.com/css/common.css" type="text/css" rel="stylesheet"> <link href="http://yfdkyxgs.com/css/wp_style.css" type="text/css" rel="stylesheet"><style type="text/css"> .content_box{line-height:24px;} .content_box p{margin:5px auto;} </style> <script>var V_PATH="/";window.onerror=function(){ return true; };</script> </head> <h1><a href="http://yfdkyxgs.com/">bbinƽַ̨ȫ</a></h1> <!--头部--> <div id="22vv4yztoubsev" class="header wrapper"> <div id="logo"><a href="http://yfdkyxgs.com/"><img src="http://yfdkyxgs.com/images/logo.gif" border="0" alt="西安贷款?/></a></div> <div id="top_link"> <div id="hot_tel"><img src="http://yfdkyxgs.com/images/hot_tel.gif" alt="联系电话"/></div> <ul id="top_link_nav"> <li class="icon1"><a href="http://yfdkyxgs.com/">首页</a></li> <li class="icon2"><a 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目前,欧债危机已进入到银行危机的阶段,欧美银行纷纷撤回资金自救,我国的银行业也难独善其身;国内实体经济出现了加速下行的苗头,日趋严格的资本充足率监管也使商业银行感到前所未有的资本补充压力,靠着追求规模、速度和地域上的扩张的银行业再次实现高利润变得举步维艰,战略转型变得迫在眉睫?/p><p>    银行业四方面转型</p><p>    2003年以来,我国大多数银行业金融机构都依照现代企业制度完善了内部控制机制,包?家大型银行在内的多家银行还先后完成股改上市,在实现财务指标根本好转的同时,也初步实现了公司治理结构的完善和核心竞争力的提高?/p><p>    但是业内人士就指出,我国银行业金融机构至今仍未摆脱粗放发展模式,讲规模、重数量、追逐大型客户,银行服务质量与经营业绩还不完全匹配。为此,银监会将督促银行业金融机构加快四方面转型,即盈利模式转型、客户转型、产品转型和服务转型?/p><p>    为此,银监会将督促商业银行稳步发展零售业务和中间业务等低资本占用型业?重点加强对符合国家产业和环保政策、有利于扩大就业、有偿还意愿和偿还能力小微企业的信贷支持;督促中小银行加强发展定位研究,走出一条有别于全国性商业银行的独特发展路径;建立健全服务成本核算制度,按照质价相符原则大力发展非信贷服务?/p><p>    “三步两转”模式</p><p>    据了解,浦发、兴业、中信、民生等国内主要股份制银行纷纷选择了战略转型,招商银行?00036)此前的“三步两转”战略转型也是为了应对国内外的危机挑战?/p><p>    业内人士将招商银行的战略简称为“三步两转”?ldquo;三步”即业务网络化、资本市场化、管理国际化;“两转”是指两次转型,第一次转型是优化结构,第二次转型是提升效率。早?009年,招行行长马蔚华就表示,要在深化经营战略调整的基础上,实施二次转型,使招行的经营方式由外延粗放型加快向内涵集约型转变,从而最大限度地节约资本与费用,即降低资本消耗、提高定价能力、降低成本、提高资本回报率?/p><p>    转型后效?/p><p>    从招行的三季报不难看出,招行的战略转型取得了较好的成果,前三季度净利润283.88亿元,比2010年同期增?7.91%;实现营业收入702.9亿元,其中,净利息收入556.24亿元,同比增?6.1%,主要原因是生息资产规模增加,净利差和净利息收益率稳步提升,2011?-9月净利差?.9%,净利息收益率为3.03%。资本充足率?1.39%;核心资本充足率为8.1%,比年初上升0.06个百分点?/p><p>    业内人士分析,强化零售业务、中间业务、以低资本消耗获取高回报等战略可能会是中国银行业未来发展方向?/p> </div> </div> <!--底部--> <div id="22vv4yztoubsev" class="clear"></div> <div id="22vv4yztoubsev" class="c_box2 wrapper"> <h3>合作银行/机构</h3> <p><p><br> <img src="http://yfdkyxgs.com/bank/xa.gif" alt="西安银行"/> <img src="http://yfdkyxgs.com/bank/gs.gif" alt="工商银行"/> <img src="http://yfdkyxgs.com/bank/js.gif" alt="建设银行"/> <img src="http://yfdkyxgs.com/bank/jt.gif" alt="交通银?/> <img src="http://yfdkyxgs.com/bank/ms.gif" alt="民生银行"/> <img src="http://yfdkyxgs.com/bank/gd.gif" alt="广大银行"/> <img src="http://yfdkyxgs.com/bank/ny.gif" alt="农业银行"/> <img src="http://yfdkyxgs.com/bank/pf.gif" alt="浦发银行"/> <img src="http://yfdkyxgs.com/bank/yz.gif" alt="邮政银行"/> <img src="http://yfdkyxgs.com/bank/zg.gif" alt="中国银行"/> <img 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