从产品创新到商业模式创新 银行业如何迈向“中国创造”.pdfVIP

CEO访谈 特别报道 从产品创新到商业模式创新： 银行业如何迈向“中国创造” 次贷危机暴露出了美国的金融市场完全放弃了安全性和流动性，疯狂地追求盈利性， 依靠高倍的杠杆率和近乎黑洞般的衍生工具，如赌徒般疯狂地追求利润。然而中国的 金融业却有迈向另一个相反极端的可能，“在目前体制下，我们银行家的创新能力、 驾驭并承担风险的能力已经沦落到典当行的水平了。”十六年来，王绍文就金融创新 做出了深切思考并在实践中不断开拓。 the sub-prime mortgage crisis exposed recklessness in the US financial system, especially among risk-laden, but innovative, derivates. Chinas financial sector, on the other hand, remains the too cautious end of the spectrum. Read on to see how maverick banking executive Wang Shaowen (EMBA 2004) Deputy Director, Guiyang State-owned Assets Supervision and Administration Commission, and former President of Guiyang Commercial Bank, has broken new ground in Chinas banking industry over the past 16 years. 14 theLINK 2009 8-9月刊 FEATURE CEO TALK By Echo Zhou hile the global financial model will face severe 40% are struggling to survive. In financial crisis survival challenges.” order to keep their doors open, these h a s r a v a g e d One of the major hurdles facing enterprises desperately need support. o n c e - m i g h t y China’s banking industry, he says, is Inadequate capital has been cited as Winstitutions like the cookie-cutter nature of its banks one of the main reasons for most Merrill Lynch and Lehman Brothers, – they all look the same and offer the failed business. and caused a precipitous drop in the same products. This lack of diversity With China’s marketization of market capitalisation of financial will make competing difficult when interest rates and further opening- en