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Dołączył: 13 Gru 2010
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Skąd: England
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 Wysłany: Śro 11:03, 19 Sty 2011 Temat postu: Analysis of the Current Situation and Commercial B |
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On the commercial banks and the causes and countermeasures of the Current Situation
To the principle of a skills-set by the regional branches of the economy to determine the level, and then break the supply of credit funds, closed areas, to adapt to the needs of a unified legal system, strengthen the financial unified, centralized management efforts to ensure the sound operation of funds; second, decisive to separate government from enterprises. To avoid the will of administrative intervention and local, to ensure that banks operate independently in accordance with business principles to increase the Bank of energy, reduce risk loans and bad debt, increased 23 ● ● operating efficiency of Governors Forum; three banks to accelerate the pace of realization of enterprise management, the Bank strengthen management and accounting, truly self-financing, to ensure profitability and achieve a virtuous circle. Resolutely put an end to the kind of corporate food banks over the past big pot, big pot of the State Bank of unhealthy eating. (D) to achieve business growth pattern. First, adjust the body. Change the small and complete body type and efficiency for the large-scale, small and complete the banking system, the extensive mode of economic growth results. Change in this way to scale performance to the principle of the internal organization of professional banking reform. First, the overlap in the same city merge branches, strengthen the city center lines of business functions; followed the line at the grassroots level to management, off the administrative district administrative level. Deposit and lending business by size, asset quality, operational efficiency and management level by level indicators, the implementation of dynamic management. Once again, a branch by management center, settlement center, business center facilities to accomplishing the operation of a unified command center within its jurisdiction; Fourth, small business, security is poor,[link widoczny dla zalogowanych], the development of future losses or non-business network firm personnel to be diverted, and merge the downgrade treatment. By adjusting the disposition, optimize network configuration, improve network service functions and improve the overall efficiency of scale. Second, structural adjustment, will be important over the past number of speed. Change the scale of re-lending quality, efficiency, re-entry loans and profits. First, to optimize credit structure, utilizing the major earning assets. Improve the quality of credit business credit business is the main earning assets of commercial banks. Work with the current credit (commercial banks Act disloyal corporate and group transfer. Second. To consolidate and expand the traditional business, maintain their advantage. of the public deposits and passbook savings deposits as low-cost traditional business,[link widoczny dla zalogowanych], but also a major source of funds of commercial banks. the line at the grassroots level should be to improve service quality as the competition means to meet the requirements of depositors and businesses develop new eye service projects, raise public deposits and passbook savings deposits of the proportion of shares. Third, we must open up and create a variety of intermediate business and new business, cultivate new The profit growth. intermediary business with low cost, low risk, high efficiency, both to increase the profit sector,[link widoczny dla zalogowanych], improve operational efficiency, fork to expand services to meet customer needs. enhance competitiveness. At the same time, should further accelerate international business pace of development, improve the foreign exchange business, do a good job of real estate project evaluation, project budget and final review, the real estate market of financial clearing services. to develop debit cards, credit cards and other services. (e) improving the management mechanism, banks must strengthen the management attention to management,[link widoczny dla zalogowanych], to be effective management. we must first improve and perfect the management mechanism, in particular, the risk to the introduction of accountability mechanisms, competition, incentives, profit distribution mechanism, financial gain mechanism, supervision and inspection mechanisms. Second, the introduction of economic instruments for the individual material interests, economic performance and operating results of their work closely. linked cash. For every employee of the Department of reciprocal rights and responsibilities,[link widoczny dla zalogowanych], penalties and rewards, business open and accept the supervision and scientific management of F work. fully mobilize the enthusiasm of all staff, inspired sense of responsibility, dedication, and strengthen risk awareness. to reduce non-performing assets, improve operational efficiency. (vi) people-oriented to improve the financial team. the overall quality of leadership at all levels of the Ministry of the line to include personnel training agenda, to adopt various methods earnestly carry out the construction workforce, so that outstanding talent. To establish justice, equality, competition and selection, personnel training system of penalties and rewards, and a standardized mechanism for the flow of talent. but also the formation of multi-level, multi-channel, multi-forms of human Education and Training, regular training and business skills training theory. through a variety of vocational education, job training, life-long education. continuously improve the quality of staff. adapt to the development needs of modern business, creating a politically strong and professionally competent. pragmatic and innovative cross- Century Finance team to rapidly improve the management and operational efficiency. (This article editor Huang Weili)
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