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郑建明教授谈金融新常态与中小商业银行转型升级路径

编辑:方娇娇  摄影:覃露   时间:2016-05-13  点击数:

5月10日下午,对外经济贸易大学国际商学院教授、博士生导师郑建明在国际教育综合楼401室作题为“金融新常态与中小商业银行转型升级路径研究”讲座,ky棋牌官网常务副院长廖东声教授主持讲座。学院100多名师生聆听讲座。

On May 10th, professor and PhD supervisor of Business School of University of International Business and Economics Zheng Jianming made a lecture on Financial New Normal State and Ways of Medium-small Commercial Banks’ Transformation and Upgrading in Room 401 in International Education Complex Building. The Executive Dean of the College Liao Dongsheng presided over the lecture. More than one hundred teachers and students of the College attended the lecture.

 

 

郑建明教授分析金融新常态与中小银行外部环境、中小银行经营压力的具体反映,探索中小银行转型的方向与路径。郑教授认为当今金融新常态主要表现为产能过剩促使金融结构存量调整、利率市场化导致银行业同业竞争、互联网金融催生金融业跨业竞争、创新驱动促进多层次资本市场发展、监管格局促进混业经营、汇率波动加大汇率风险凸显等,分析了新常态对中小银行外部环境的影响以及给中小银行经营带来的压力。以某农村商业银行为例,分析了中小银行经营压力的具体反映,指出中小银行应该进行转型升级,应大力培育供应链金融,通过新三板挂牌充实资本金,优化股东结构,改善企业治理,转变业务增长方式等。

Professor Zheng Jianming analyzed financial new normal state and external environment of medium-small commercial banks, pressure of running medium-small commercial banks, directions and ways of medium-small commercial banks’ transformation and upgrading, he thought that over capacity causing stock structure adjustment, liberalization of interest rate generating competition among banks, Internet finance giving rise to competition across financial industry, innovation driving multi-level development of capital market, control structure promoting mixed-industry operation, and fluctuations in exchange increasing exchange rate risk were features of financial new normal state, and these can change external environment of medium-small commercial banks. By taking example of a rural commercial bank, he also analyzed what pressures medium-small commercial banks would meet and transformation and upgrading should be made to improve banks runningc ompetence such as developing supply-chain finance, listing “three new board”to increase capital, optimizing shareholder structure, improving corporate management and transforming ways of business increase.

 

郑建明教授的讲座关注当前金融领域的热点和前沿问题,并结合生动实例进行了系统分析,使同学们开阔了眼界,提升了理论素质,培养了学术科研能力。

The lecture which focused on current hot topics made students broaden their outlook and develop ability of academic research.

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