中国银行家调查报告2010英文版

图书标准信息

• 作者 中国银行业协会、普华永道 编
• 出版社 中国金融出版社
• 出版时间 2010-11
• 版次 1
• ISBN 9787504957177
• 定价 300.00元
• 装帧 平装
• 开本 16开
• 纸张 铜版纸
• 页数 149页
• 字数 137千字
• 正文语种 英语

【内容简介】

InourefforttokeeprelevantstakeholderscontinuouslyinformedonthelatestdevelopmentsandtrendsintheChinesebankingindustry，thisprojectwillbearegularfixtureinthefuture，withfollow-upsurveys.Welookforwardtohearingyourfeedbackonthisreport，andsuggestionsontopicstobeincludedinfuturesurveysonChinasbankingindustry.Forfurtherinformation，pleasecontactthePwCFinancialServices，ChinaBankingAssociation，ortheprojectleader.

【目录】

ExecutiveSummary
PartⅠTheEconomicSituation
Ⅰ.Complexanduncertaineconomictrendsandsignificantoperational
diversitiesamongbusinessenterprises
Ⅱ.Uncertaintiesintherealestatemarketbringhugepressureonbankers
Ⅲ.Bankersrecognizetheeffectsofmacroeconomicpolicybutgive
lowscoretoindustrialpolicy
Ⅳ.Transformationofeconomicdevelopmentmodelandadjustmentof
industrialstructureastheexternalenvironmentfactorsthatdraw
themostattentionofChinesebankers
Ⅴ.Financialecologicalenvironmentsarebetter，andtheconstruction
ofthecreditenvironmentandthelegalenvironmentsareatthecore
PartⅡDevelopmentStrategies
Ⅰ.Fiercehorizontalcompetitionandincreasingpressureinattracting
customerdepositsidentifiedasbiggestchallengesinbankoperations
Ⅱ.Transformationofthebusinessstructureasthetoppriorityinthe
banksstrategyadjustment
Ⅲ.SMEfinancialservice，theimportantorientationfortransformation
ofthebankscustomerbase
Ⅳ.Attentiontoruralfinancialservicesincrementallyincreasing
Ⅴ.Insuranceindustry，thefirst-choiceforcomprehensiveoperations
Ⅵ.Seizeopportunitiesandimplementthe"goingglobal"strategyto
firstsetfootinsurroundingcountriesandregions
PartⅢBusinessDevelopment
Ⅰ.Infrastructureandnewenergyindustryarouseattentionandthe
creditsupplyiscurbedin"high-pollution，high-energy-consumption，
andoverproduction"industries
Ⅱ.Developinginvestmentbankingservicestocopewithchallengesfrom
financialdisintermediation
Ⅲ.Wealthmanagementasthekeyforthedevelopmentofpersonal
financialservices
Ⅳ.Personalmortgageloanstandardsareincreasinglytightened，
andthecultivationofcreditcardbrandcharacteristicsistaken
asthecore
Ⅴ."Expandingthee-bankingchannelandpromotingthetransformation
ofoutletfunctions"regardedasthekeyinchannelconstruction
PartⅣRiskManagement
Ⅰ.Non-performingloanslikelytoriseperiodicallybutunlikelyto
increasestructurally
Ⅱ.Attitudetotherealestate-relatedbusinessdevelopmentis
cautious，andtheconcernaboutitsassociatedriskisparamount
Ⅲ.Difficultiesinlearningaboutthelocalgovernmentsoverall
debtsituationisabottleneckfortherisksinvolvedinmanaging
government-financingplatforms
Ⅳ.Reinforcementofriskmanagementcontributestobusinessdevelopment
Ⅴ.Creditriskisalsomostcritical，andcomplianceriskattracts
moreconcerns
Ⅵ.Improvingtheriskquantificationlevelisthekeytoimplementing
theNewBaselCapitalAccord
PartⅤCorporateGovernance
Ⅰ.Largeroomforimprovementforincentiveandmonitoringmechanisms
Ⅱ.Satisfactionwithpresent"headofficeandbranch"managementstructures
Ⅲ.Relativelyhealthyinformationdisclosuresystem，consistently
improvinginternalmanagementtransparency
PartⅥInformationSystems
Ⅰ.Informationsystemscontinuetodrawattentionfrombankers
Ⅱ.Differentprioritieswhenbuildinginformationsystems，andlarge
commercialbankshavebetterinformationsystems
Ⅲ.Dataminingandinformationintegrationaretopprioritiesof
futureinformationsystemconstruction
PartⅦHumanResources
Ⅰ.Growthofemployeenumbersexpectedtoslowdown；unlisted
bankstoexpandrapidly
Ⅱ.Talentsuccessionplanning，salarysystems，andtraining
mechanismsawaitimprovement
PartⅧCorporateCulture
Ⅰ.Promotionalsloganshighlightthecorevaluesandoperational
philosophies
Ⅱ.Corporatecultureconstructionuniversallyemphasized
PartⅨAssessmentofRegulatoryPolicies
Ⅰ.Regulatorypoliciesuniversallyrecognized
Ⅱ.Counter-cyclicalcapitalregulationandleverageratioregulation
recognizedbybankers
Ⅲ.Improveddifferentiationofregulatoryindicatorsanddevelopment
ofdiversifiedcapitalreplenishmentchannels
Ⅳ.Newlendingruleswidelyacceptedandoverallimplementationin
goodorder
Ⅴ.Balancebetweenfinancialstabilityandfinancialinnovationto
definegoodregulation
Ⅵ.Taxpoliciesshouldtakefullaccountofthebankingindustrys
developmentneeds
PartⅩTheBankers
Ⅰ.Strategicmanagementandbusinessdevelopmentabilitiesviewedas
bankersforemostqualities
Ⅱ.Urgencyinimprovinginnovationcapacitiesatthephaseoftransformation
Ⅲ.All-roundtalentcompetitionmechanismtocultivatemoregoodbankers
PartⅪForward-lookingOpinions
Ⅰ.ProJectionofincomegrowthandprofit
Ⅱ.Projectionofnon-performingloanratiosandprovisioncoverage
Ⅲ.CARprojection
Appendix
Introductionoftheprojectbackgroundanditsimplementation
Top30banksintheChinesebankingindustry
Workingtogethertodeliversuccess
InterviewNotes
InterviewNotesⅠFromeconomictransformationtofinancialtransformation
InterviewNotesⅡSMEfinancialservicesadvancedtoastrategicheight
InterviewNotesⅢGotothecountryside!
InterviewNotesⅣOnboostingcomprehensivebusinessoperations
InterviewNotesⅤAccumulatestrengthtopromoteglobalization
InterviewNotesⅥTheoptimizationandupgradingoftheindustrial
structuresboosttheadjustmentofthecreditstructures
InterviewNotesⅦActivelyexpandinginvestmentbanking
InterviewNotesⅧPrivatebankingstrugglestogetgoing
InterviewNotesⅨLookingoutfortherealestatemarketsshort-termrisks
InterviewNotesⅩTheriskassociatedwithlocalgovernment-financing
platformloansismanageableoverall，butpotentialrisksrequireattention
InterviewNotesⅪExploringthescientificorganizationalstructures
andperformanceevaluationmechanisms