国际银行盈利结构与管理架构考察及启示.pdfVIP

金 论坛 融 2012 年第7 期（总第199 期） 国际银行盈利结构与管理架构考察及启示 中国工商银行城市金融研究所课题组 ［摘 要］经过数十年的转型，以花旗、汇丰和渣打集团为代表的综合化金融集团基本形成 了在全 球 多个市场同时开展多业务条线经营的盈利结构 ，以瑞士信贷为代表的专业化金融集团则形成 了以投 资银行和金融服务为重心的盈利模式，矩阵式管理 已成为国际银行普遍采用的模式。国际同行的成功 经验带给我们如下启示：构建以“客 户”为中心、内涵丰 富、形式清晰的业务架构；提升境外机构本地化 竞争能力；构建“纵横平衡、条块结合”的管理架构；不断建立与完善一体化的激励考核机制、高度共享 的资源配置机制 ；强化 IT 系统对盈利及管理架构改革的支持保障作用等。 ［关键词］国际银行；盈利结构；管理架构；综合化经营；经营转型 ［文章编号］ （ ） ［中图分类号］ ［文献标志码］ 1009 - 9190 2012 07 - 0012 - 08 F83 A A Survey of the Profit Structure and Management Mode of International Banks and the Implications ， The Study Group of Urban Finance Research Institute ICBC ［ ］ Abstract After decades of transition, the comprehensive financial group, represented by Citigroup, HSBC and Standard Chartered Group, has formed its basic profit structure for the operation of multiple businesses in global multiple markets at the same time. The specialized financial group, represented by Credit Suisse, has formed its profit mode that focuses on investment banking and financial services. The matrix management has become a mode widely used by international banks. The successful experience of international banks provides some implications for domestic commercial banks to form the new profit and man－ agement mode, which include: building a business structure that is focused on customers, rich in contents and has a clear form; enhancing the local competitiveness of overseas institutions; gradually building a management mode that integrates the vertical business management with the horizontal regional management, establishing and improving the integrated inc