中国银行家调查报告

Executive SummaryPartⅠ Macroeconomic Conditio
Ⅰ.Concer
over economic trends and operation status of business enterprises Ⅱ.Tight monetary policy increases operational pressure on banks Ⅲ.Slightly lower evaluation of economic policy effect Ⅳ.Weakening of the real estate market and stabilization of investments in real estate developments Ⅴ.Increasing concer
over residents 'co
umption concept and co
ciousness for financial management Ⅵ.Increasing concer
over continual improvement of financial ecological environment and local publicservice levelsPart Ⅱ Development Strategies Ⅰ.Attain strategic tra
formation of banks by developing new businesses and reducing capital co
umption Ⅱ.The next 3N5 yea
would be the optimal time frame for advancing interest rate liberalization Ⅲ.Further ove
eas expa
ion of large-sized commercial banks and strong desire of city commercial banksfor cross-regional operation Ⅳ.Optimism in cross-border RMB trade settlement business, but various restrictive facto
need to be resolvedPart Ⅲ Business Development Ⅰ.increasing difficulty in liability management and increased interbank competition to attract deposits are major challengesfor Chinese banks Ⅱ.SME Lending and Financial Advisory became top priorities in banking services provided to corporate custome
Ⅲ.Focus on industry secto
； advanced manufacturing industry, modern service industry, energy-efficiency and environmentalprotection industry Ⅳ.A prudent attitude towards real estate development loa
and in support of more policies for co
truction ofaffordable housing Ⅴ.increasing importance of wealth management and private banking in pe
onal financial business Ⅵ.Varying priorities in developing their channelsPart Ⅳ Risk Management and Internal Control Ⅰ.Concer
of banke
over asset quality have notably increased, with real estate and LGFV loa
being the most significant Ⅱ.Risk management capabilities need further improvement as a whole and operational risk management is co
idereda priority by most banks Ⅲ.Systemic financial risk is less likely, but the regional risk of East China is a cause for concern Ⅳ.Internal control building is sustainably advanced and total coverage and compatibility becomes the keynotePart Ⅴ Corporate Governance Ⅰ.Enhancement of internal controls, risk management and effective incentives are the most important facto
forcorporate governance Ⅱ.Improving satisfaction of headquarte
and branches' managerial architecture Ⅲ.Performance assessment of directo
and superviso
mainly integrates self-evaluation and mutual evaluationPart Ⅵ Process Reengineering Ⅰ.Centralisation of back office processes is the priority for the process reengineering of commercial banks Ⅱ.Lack of effective examination mechanism is the biggest barrier for banks' process reengineering Ⅲ.Organizational restructure lays the foundation for process-oriented bankingPart Ⅶ IT Governance and IT Co
truction Ⅰ.Investments in IT have increased and network, mobile internet and other new technologies are of concer
Ⅱ.Backward co
truction of IT talent force becomes the main restrictive factor for IT governance of banks Ⅲ.Risks due to development and application of new technologies draw most concer
from banke
Ⅳ.Supporting Ccustomercentric" business process reengineering becomes the strategic priority of banks forIT co
tructionPart Ⅷ Human Resources Ⅰ.Over the next three yea
, the number of employees is expected to rebound and small and mediumcommercial banks will show a strong demand for employees Ⅱ.Branches are concerned with building of talent pool and head offices are more concerned withcompe
ation structure Ⅲ.Effective examination of comprehe
ive contribution and balance of long-term and short-term incentives are the priorities for improvement in evaluation systemPart Ⅸ Supervision and Evaluation Ⅰ.Regulatory policies unive
ally recognized and indicator system relatively intact Ⅱ.Vehicle loa
have caused general concern and loan scale strictly controlled Ⅲ.The four major regulatory i
truments have been well received, although certain indicato
can still be enhanced Ⅳ.Additional capital requirement for systemically important banks now a co
e
us Ⅴ.Advocate establishment of regulatory rules linked with economic cycle and enhancement of co
truction of financial infrastructuresPart Ⅹ T he Banke
Ⅰ.The Banke
have high job satisfaction Ⅱ.Learning and working overtime are most common arrangements for banke
' holidaysPart Ⅺ Development Prospects Ⅰ.Projection of income growth and profit Ⅱ.Projection of non-performing loan ratios Ⅲ.Capital adequacy ratio projectionAppendix Introduction of the project background and its implementation Top 30 of China Banking Industry Working together to deliver successInterview Notes Interview Notes Ⅰ Tighter policy should avoid overlapping Interview Notes Ⅱ Rational assessment of interest rate liberalization Interview Notes Ⅲ Cross-border RMB business advancing in challenges Interview Notes Ⅳ Liability management becoming a major challenge Interview Notes Ⅴ There is still room in policy making to help alleviate financingdifficulties of small enterprises Interview Notes Ⅵ Real estate credit risk under concern and affordable housing project financing model to be explored Interview Notes Ⅶ Internal control building sustainably advanced Interview Notes Ⅶ Banking procedure under rebuilding Interview Notes Ⅸ Break for IT building of small and medium commercial banks Interview Notes Ⅹ From pe
onnel management to HR management Interview Notes Ⅺ Unde
tanding of vehicle loa
increasingly unified Interview Notes Ⅻ Objective evaluation of four major regulatory tools

本书为《中国银行家调查报告(2011)》英文版，由中国银行业协会编著。 中国为应对金融危机而实施的刺激政策2010年下半年开始转向，货币政策由适度宽松转为稳健，同时监管当局加强了对地方政府融资平台贷款的规范和流动性风险的管理，中国银行业经营环境出现了重大转变：资金流动性整体趋紧、资本约束提升、信贷规模受限、信贷质量忧虑增强。面对新一轮紧缩周期，中国银行业在加快业务创新、调整结构的同时，主动进行内源性机制和要素的改革创新，在持续推进内部控制建设、实施信息化建设、推进流程再造以及改进人力资源管理等方面进行了广泛探索，并努力从中挖掘新的价值。危机之后，对于金融创新的重新思考和探索成为银行家们共同面对的课题。《中国银行家调查报告2011》向您展示了银行家在本轮政策紧缩期内的思考和努力。