北京大学商业银行整理剖析.docVIP

注：从PPT抓重点，课本上对考点有补充的要写上 managing a business unit 这一章非常重要，看PPT，书上没有 中资银行的改革有哪些方面 Reformation undertaken by Chinese Banks 1.Reforming Corporate Governance and partners with strategic investors ----3 major types of Chinese commercial banks : State-owned commercial banks, cross regional joint-stock commercial banks, City commercial banks ----Foreign banks are investing in all groups and not only as strategic shareholder but also involvement in management ----Chinese banks allowed to list overseas ----Chinese Bank (ICBC) became the largest bank in the world 2. Risk Management Innovations Improved risk rating Extended 5 category loan classifications to 10 or 12 Credit extension system reform, centralize large loans to HQ, credit delegation on SME Loan pricing management Credit inspection and regionalizing loan approval Improve post loan management Improve operational, compliance and market risk management 3. Promoting Organization Change Resetting branches and distribution Acquisition and growth (MA) Setting up new fund companies Changing to vertical bank organization 4. Promoting Business Innovations, Fee Income and Off balance sheet business Product Innovation Service Innovation Business orientation change Promoting fee based and off balance sheet business 证监会的职能有哪些 2003 Set up CBRC and its roles in regulating and supervising banks, whose primary role is to: ---protect interest of depositors and consumers ---Maintain market confidence ---Enhance public knowledge of modern finance ---Combat financial crimes ---Promote financial stability and facilitate financial innovations ---Enhance international competitiveness of Chinese banking sector ---Encourage fair and orderly competition ---Clearly define the accountability of supervisor and supervised ---Perform supervisory in efficient and effective manner 银行架构的改革及其重点（structure reformation)※ Eight Practical Steps in Bank Structure Reformation ----Board of Directors ----Independent Directors ----Overall Risk Management ----St