国有商业银行角色再定位研究

国有商业银行与外资银行在核心竞争力方面的差距是显而易见的,其中国有银行角色错位是造成核心竞争力缺乏的重要原因。国有银行角色错位主要体现在“社会定位”、“金融定位”、“市场定位”等宏观、中观和微观三个层次。在宏观方面,国有银行承担准政府角色;中观方面,国有银行过多地承担资本市场的功能;微观方面,国有银行缺乏服务意识和特色经营意识。增强国有银行的竞争力也主要从这三个方面对国有银行的错位进行矫正和重新定位。通过国有银行的重新定位,国有银行必然能够接受外资银行的挑战。

The Research on the Positioning of State-owned Commercial Bank

It is obvious that the state-owned commercial bank lacks competence in comparison with foreign bank.The inappropriate role the state-owned bank plays is one of important reasons.The inappropriate role includes the following three levels: the state-owned bank undertakes half-function of government;the state-owned bank undertakes the function of capital market;the state-owned bank lacks idea of marketing.To enhance the competence of the state-owned bank,the state-owned bank needs to adjust the inappropriate role and position the role.