成都市商业银行改革与发展中的问题与对策探析.pdf

银行的目标。 本人利用在MBA学习中的知识，并结合在成都市商业银行的实 际工作情况，提出了一些关于该行深入改革、加快发展的对策与建议， 但由于自身能力有限，在文章中有待改进之处，请各位老师指正，本 人将在以后的工作与学习中继续探索。 关键词：成都市商业银行改革发展对策 ABSTRACT The City Commercial Banks originated from City Credit Union，and the most concern for all of them is how to expand and strengthen． Chengdu City Commercial Bank ranks above the average among over one hundred City Commercial Banks in China，and its existing problems and solutions including relevant policies and tactics can be a good representation and reference for the others+ Just like all the other city commercial banks，Chengdu City Commercial Bank，born in a special historical environment，shoulders the mission of reducing the risks of City Credit Union and embodies the obvious characteristics of administration from itS very start in 1996． During the past six years，it had overcome many difficulties such as hea＼7 historical burdens，simple and crude facilities，unorganized structures and low social acceptability,had made great contribution in the development of local economN and had become one of the important components of Chengdu’S financial system．However，because of its inherent disadvantages and changes of the outer environments，the development slowed down the last year，and with the problems of the frail marketing sense，the nonstandard corporate governance，and the lack of organization culture，itself was severely restricted in the process of realizing the aim to be larger and stronger．As such，on the basis of perfect marketing system，risks managing system，resources support system and organization culture，profits under the risks adjustment， expansion under the standardization of corporate governance，and innovaion and development under the support of technology should be made by means of forging market brand，stipulating organizations，and establishing strategic alliances．What it needs to achieve is the full-scale development，which is the effective integration of quantity and quality， scale and benefit，and efficiency and rate，instea