2011-中国银行家调查报告

出版时间：2011-12  出版社：中国金融出版社  作者：普华永道，中国银行业协会　著  页数：178  
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内容概要

　　Unless otherwise stated， the data used in this report came from the survey conducted among 50 Chinese banks and 818 bankers by China Banking Association and PwC China. The report is provided for general and information purposes only，and is not to be taken as exhaustive and does not constitute legal or investment advice. In addition， the report is not intended to cover all topics of interest. We make no warranty or guarantee， express or implied， with respect to the accuracy or integrity of the information contained in this report. Unless otherwise specified by law， China Banking Association and PwC accept no responsibility or liability for any action taken or not taken by any individual or organisation as a result of reading this report. If you would like to obtain any specific advice or receive more information on any issue discussed in this report， please get in touch with China Banking Association and PwC or consult your legal counsels or advisors for their professional opinions.

书籍目录

Executive SummaryPartⅠMacroeconomic ConditionsⅠ Concerns over economic trends and operation status of business enterprisesⅡ. Tight monetary policy increases operational pressure on banksⅢ. Slightly lower evaluation of economic policy effectⅣ. Weakening of the real estate market and stabilization of investments in real estate developmentsⅤ. Increasing concerns over residents 'consumption concept and consciousness for financial managementⅥ. Increasing concerns over continual improvement of financial ecological environment and local public service levelsPart Ⅱ Development StrategiesⅠ.  Attain strategic transformation of banks by developing new businesses and reducing capital consumptionⅡ. The next 3N5 years would be the optimal time frame for advancing interest rate liberalizationⅢ. Further overseas expansion of large-sized commercial banks and strong desire of city commercial banks for cross-regional operationⅣ. Optimism in cross-border RMB trade settlement business, but various restrictive factors need to be resolvedPart Ⅲ Business DevelopmentⅠ.  increasing difficulty in liability management and increased interbank competition to attract deposits are major challenges for Chinese banksⅡ. SME Lending and Financial Advisory became top priorities in banking services provided to corporate customersⅢ. Focus on industry sectors: advanced manufacturing industry, modern service industry, energy-efficiency and environmental protection industryⅣ. A prudent attitude towards real estate development loans and in support of more policies for construction of affordable housingⅤ. increasing importance of wealth management and private banking in personal financial businessⅥ. Varying priorities in developing their channelsPart Ⅳ Risk Management and Internal ControlⅠ.Concerns of bankers over asset quality have notably increased, with real estate and LGFV loans being the most significantⅡ.Risk management capabilities need further improvement as a whole and operational risk management is considered a priority by most banksⅢ. Systemic financial risk is less likely, but the regional risk of East China is a cause for concernⅣ. Internal control building is sustainably advanced and total coverage and compatibility becomes the keynotePart Ⅴ Corporate GovernanceⅠ.  Enhancement of internal controls, risk management and effective incentives are the most important factors for corporate governanceⅡ.  Improving satisfaction of headquarters and branches' managerial architectureⅢ. Performance assessment of directors and supervisors mainly integrates self-evaluation and mutual evaluationPart Ⅵ Process ReengineeringⅠ.  Centralisation of back office processes is the priority for the process reengineering of commercial banksⅡ.  Lack of effective examination mechanism is the biggest barrier for banks' process reengineeringⅢ. Organizational restructure lays the foundation for process-oriented bankingPart Ⅶ IT Governance and IT ConstructionⅠ.  Investments in IT have increased and network, mobile internet and other new technologies are of concernsⅡ.  Backward construction of IT talent force becomes the main restrictive factor for IT governance of banksⅢ. Risks due to development and application of new technologies draw most concerns from bankersⅣ. Supporting  Ccustomercentric" business process reengineering becomes the strategic priority of banks for IT constructionPart Ⅷ Human ResourcesⅠ.  Over the next three years, the number of employees is expected to rebound and small and medium commercial banks will show a strong demand for employeesⅡ.  Branches are concerned with building of talent pool and head offices are more concerned with compensation structure……Part Ⅸ Sup;ervision and EvaluationPart ⅩThe BankersPart Ⅺ Development ProspectsAppendixInterview Notes

章节摘录

版权页：插图：As a result of the repeated increases to the deposit reserve ratio by the People's Bank of China (PBOC) and the rigid requirement on deposit-loan ratios by regulatory authorities, competition in the deposit market tends to be more intensive and liability management b as become the primary problem in the operations of Chinese banks. More than 80% of bankers have responded that in 201 I, the biggest challenge for banks is the “increasing pressure for deposit-taking”.Banks have taken various measures in response to meet the challenge of increased pressures on deposits, including vigorous developments in the wealth management business, expansion of the savings business through cross selling to both corporate and consumer clients, provision of value- added services and increases in marketing efforts. As the survey shows, 88.5% of the bankers indicate that they will increase their competitiveness in deposit business through "deposit and wealth management product innovation".

编辑推荐

《中国银行家调查报告2011(英文版)》编辑推荐：Vice Director-general & Research Fellow, Financial Research Institute, Development Research Center of the State CouncilChief Economist, China Banking AssociationVice Secretary-general, Macroeconomic Association of ChinaEnterprise Annuity Qualification Appraisal Expert, the Ministry of Human Resources and Social SecurityExpert member, CSRC Fund Appraisal Experts CommitteeExpert member, CBRC Examination CommitteeExpert member, Expert Committee for guiding Post-doctors (China Merchants Bank and China Merchants Group)Entitled to Government Special Allowance (GSA)Vice Director, BOG Hangzhou BranchAssistant General Manager, BOC Hong KongDirector, the Development Strategies Committee of the Securities Association of ChinaVice Director, Economic Department of Central Government Liaison Office in Hong KongSpecialist lecturer for the Political Bureau of the CPC's Collective Study.