论文部分内容阅读
利率市场化的加速推进给国内城商行的经营发展带来深刻的影响。国内利率市场化遵循渐进改革思路,与台湾地区利率市场化具有相似之处,经历14年的利率市场化改革,台湾地区银行业在低利差的环境下通过推进组织流程优化来提升运营效率;强化金融服务手段来改善资金来源结构,从而降低资金成本;依托金融控股公司平台,发挥整合行销效益,扩大客户基础;积极调整优化资产结构,大力拓展民营企业和消费金融业务等举措实现发展转型及安全稳健经营。台湾地区银行业的发展经验值得国内城商行学习。
The accelerating marketization of interest rates has had a profound impact on the operation and development of domestic commercial banks. The marketization of interest rates in China follows the idea of gradual reform and has similarities with the marketization of interest rates in Taiwan. After 14 years of interest rate liberalization, the banking industry in Taiwan has improved its operational efficiency through the promotion of organizational process optimization in the context of low interest margins. Strengthen financial service means to improve the structure of funding sources, thereby reducing the cost of capital; relying on the financial holding company platform, to play an integrated marketing effectiveness, expand customer base; actively adjust and optimize the asset structure, vigorously expand private enterprises and consumer finance business and other initiatives to achieve development and transformation and Safe and sound management. Taiwan’s banking industry development experience deserves to learn from domestic city commercial firms.