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随着利率市场化的深入及新巴塞尔协议的推出,我国商业银行改革的压力与日俱增,尤其对于资本能力低,风险管理薄弱的中小银行来说,转型道路的选择变得更加严峻。面对日益激烈的竞争,各城市商业银行不敢有丝毫懈怠。利率市场化对城市银行的影响是有利有弊的,城市银行结合自身的优势与不足,制定真正适合自身发展的改革方案。本文最后对城市银行在如此多变的环境下的战略选择提出了几点建议。
With the marketization of interest rates and the introduction of the New Basel Capital Accord, the pressure of the reform of commercial banks in our country is increasing day by day. Especially for small and medium-sized banks with low capital power and weak risk management, the choice of transition path becomes more severe. Faced with increasingly fierce competition, commercial banks in various cities are afraid to slack off. The impact of interest rate marketization on city banks has both advantages and disadvantages. Urban banks, in light of their strengths and weaknesses, have formulated reform proposals that are truly suitable for their own development. Finally, this article puts forward some suggestions to the strategic choice of urban banks in such a changing environment.