1、工商银行实施品牌战略提高核心竞争力研究
中国工商银行第三期领导干部研究班课题组 (3)
ICBC's Brand Strategy to Improve its Core Competence
The Study Group of the Third Seminar for Leaders, ICBC (3)
2、区域经济发展与商业银行战略选择——辽宁省商业银行应力争在东北振兴中实现双赢
刘治国 (11)
Regional Economic Development and Commercial Bank's Strategic Choices——Endeavors of Commercial Banks in Liaoning Province to Obtain Win-win in the Northeast Revitalization
LIU Zhi-guo (11)
3、商业银行行长胜任力模型追踪研究
黄勋敬 张敏强 (16)
A Longitudinal Study of Competency Model for Governors of Commercial Bank
HUANG Xun-jing ZHANG Min-qiang (16)
4、机构投资者股权对银行公司治理与绩效的影响
伍 伟 刘惠好 (23)
The Impact of Institutional Investor Stake on Bank's Corporate Governance and Performance
WU Wei LIU Hui-hao (23)
5、基于ERM的商业银行操作风险生态内部控制系统研究
陈晓慧 吴应宇 (29)
Ecological Internal Control System over Operating Risks of Commercial Bank on ERM
CHEN Xiao-hui WU Ying-yu (29)
6、商业银行金融产品与服务跨市场创新研究
马梦琪 (35)
Trans-market Innovation on Commercial Bank's Financial Products and Services
MA Meng-qi (35)
7、论商业银行内部控制有效性的实现
中国工商银行河南省分行营业部课题组 (42)
The Validity of Internal Control of Commercial Banks
The Study Group of Banking Department of Henan Branch, ICBC (42)
8、结算与现金管理产品和服务创新研究——以中国工商银行宁波分行为例
中国工商银行宁波分行课题组 (47)
The Innovation on Products and Services of the Settlement and Cash Management Business——Based on Ningbo Branch, ICBC
The Study Group, Ningbo Branch, ICBC (47)
9、论商业银行的社会责任
曹涌涛 王建萍 (53)
Social Responsibilities of Commercial Banks
CAO Yong-tao WANG Jian-ping (53)
10、商业银行个人住房转按揭贷款法律问题研究
耿丹丹 (59)
Legal Issues of Personal Housing Re-mortgage Loan of Commercial bank
GENG Dan-dan (59)
工商银行实施品牌战略提高核心竞争力研究
中国工商银行第三期领导干部研究班课题组
［摘 要］ 品牌战略是企业通过品牌载体提高企业核心竞争力所采取的一系列手段和策略的总和，需要从品牌定位、品牌规划、品牌营销、品牌维护和品牌文化5个方面来具体实施。国际金融机构以明确的品牌定位统领战略的实施、自上而下合理确定品牌规划、开展各具特色的品牌营销、以“关系”为导向进行品牌维护、把品牌文化寓于科学高效的人力资源政策中。工商银行要强化品牌定位，凸显品牌核心价值；加强品牌规划建设，建立统一的品牌管理体系；开展全方位营销，灵活运用各种营销手段；及时维护品牌关系，加强品牌保护意识；以企业文化塑造品牌文化，以品牌文化实现品牌可持续。
［关键词］ 工商银行；品牌；金融品牌；品牌战略；核心竞争力
［Abstract］ Brand strategy is the sum of a series of approaches and tactics that an enterprise uses focusing on brand to enhance its core competence, which is fulfilled from five dimensions: brand positioning, brand planning, brand marketing, brand maintenance and brand culture. International financial institutions always utilize a definite brand positioning to lead the whole strategy, which incorporates a feasible top-down brand planning, a great variety of brand marketing activities, the relationship-oriented brand maintenance and a scientific human resource policy covering brand cultures. ICBC can push its brand strategy from the following aspects: (1) strengthening ICBC's brand positioning to show its core value; (2) furthering brand planning to build a unified brand management system; (3) fulfilling the overall marketing and flexibly employ various marketing methods; (4) taking prompt measures to maintain brand relationship and raise the awareness of brand protection; (5) cultivating ICBC's brand culture with its enterprise culture to achieve the brand's sustainable development.
［Key words］ ICBC; brand; financial brand; brand strategy; core competence
区域经济发展与商业银行战略选择——辽宁省商业银行应力争在东北振兴中实现双赢
刘治国
［摘 要］ 作为东北振兴的龙头，辽宁省的经济规模和金融资源占据东北地区的半壁江山，拥有良好的经济区位优势并集聚了巨大的经济发展势能。2003年以来，辽宁省经济发展逐渐提速，2007年其GDP突破万亿、财政收入突破千亿，增速首次全面超过东部地区平均水平，经济社会发展步入新的平台。辽宁省经济金融形势的改观，为商业银行带来化解历史包袱、拓展新的市场和转变经营方式的重要机遇。各商业银行应当通过信贷结构调整战略、资产质量提升战略、金融产品创新战略、核心竞争力提升战略和东北区域合作战略等一系列战略措施的推进，在推动辽宁振兴发展中实现自身效益的提高和可持续发展。
［关键词］辽宁；商业银行；区域经济；区域金融；发展战略
［Abstract］As the prime area in the northeast of China, Liaoning holds almost half of economic and financial resources of the northeast region, and its excellent regional advantage has accumulated huge developing energy. Since 2003, Liaoning's economic growth has been speeding up, and its GDP and fiscal revenue broke 1 trillion and 100 billion RMBs respectively in 2007. The speed of economic growth first bypassed the average level of the northeast region and the society is striding into a new developing stage. The amelioration of Liaoning's financial status brings about precious opportunity for commercial banks to resolve the problems from the past, broaden prospective markets and realize the operating transformation. Therefore, commercial banks in Liaoning Province should adopt appropriate strategies to achieve the improvement of performance and sustainable development, such as adjusting the credit structure, upgrading the asset quality, emphasizing the financial product innovation, enhancing the core competence and extensively cooperating with others.
［Key words］ Liaoning Province; commercial bank; regional economy; regional finance; developing strategy
商业银行行长胜任力模型追踪研究
黄勋敬 张敏强
［摘 要］ 在前项研究已经构建起商业银行行长胜任力模型的基础上，本研究运用追踪研究法对已经通过胜任水平测评的10名被试行长进行了为期一年的绩效考核追踪研究。在一个绩效年度结束后，运用基于行长胜任力模型的考核方案对10名被试者的实际经营绩效和能力素质展现情况进行了考评。考评结果说明，10名被试行长的经营业绩表现及胜任能力素质表现较好，充分发挥了应有的管理水平。这充分表明，前项研究所建构的行长胜任力模型具有一定的科学性，达到了相当的信度和效度，能够真正预测和区分绩效表现优秀的行长，可以进一步推广使用，进而构建基于胜任力模型的现代商业银行人力资源管理体系。
［关键词］ 银行行长；胜任力模型；行为事件访谈法（BEI）；追踪研究；行为锚定等级评价法
［Abstract］ On the basis of competency model for governors of commercial bank established in the former study, this study employed the longitudinal approach to follow the performance of ten objective governors for one year, who had passed the competency test, and assessed their actual operating performance and capabilities according to the governor competency model's requirements. The results show that all ten governors perform well in their operating achievements and competency and give full play to their talents. Given these results, this competency model appears excellent liability and validity and can be used to forecast and distinguish well-performed governors. Moreover, this model can also be extended to the basis of modern commercial bank's human resource management system.
［Key words］ governor of commercial bank; competency model; BEI; longitudinal study; behavior anchored rating scales
机构投资者股权对银行公司治理与绩效的影响
伍 伟 刘惠好
［摘 要］ 在机构投资者对银行进行投资时，不同类型的机构投资者具有不同的表现。其中，QFII、证券公司、社保和保险基金都能影响银行的公司治理，促进其综合业绩的提高；证券投资基金和企业不能对这两个方面产生显著影响。在选择银行股时，证券投资基金注重银行过去综合业绩的表现，企业、社保基金和保险基金注重银行过去市场价值的增长，QFII和证券公司同时考虑了这两个方面。实行银行股权全流通，放松对机构投资者的管制，改革证券交易方面的税收制度，培养机构投资者的投资理念，有利于发挥机构投资者对银行公司治理的积极作用。
［关键词］ 机构投资者；银行；公司治理；绩效
［Abstract］ Various institutional investors play different roles when investing in banks. QFII, security companies, Social Security Fund and insurance funds usually can make direct impacts on objective bankr's corporate governance and improve its overall performance, but security investment funds and common enterprises have no such influence. Different from security investment funds, which play emphasis on bankr's previous performance when choosing valuable bank stocks, enterprises, Social Security Fund and insurance funds focus more on bankr's market value growth and QFII and security companies consider the both aspects. To maximize institutional investor's positive effect on bankr's corporate governance, the following measures should be furthered: realizing bank sharer's full float, relaxing control of institutional investors, reforming the tax system on security exchange and cultivating institutional investorsr' value investment ideas.
［Key words］ institutional investor; bank; corporate governance; performance
基于ERM的商业银行操作风险生态内部控制系统研究
陈晓慧 吴应宇
［摘 要］ 本文在分析国内外商业银行操作风险研究现状及文献综述的基础上，充分考虑我国商业银行操作风险控制的实际情况，根据ERM的要求，利用生态控制的理论与方法构建了商业银行操作风险生态内部控制系统的基本框架，并指出该系统在大幅度提高内部控制系统有效性的同时，还强调内部控制系统的自我修正和完善功能的发挥。在这一控制系统框架中，横向系统包括控制目标设置、事件确定、风险评估、风险应对、控制过程、控制措施、监督和目标修正等，纵向系统由标准确定、方法选择、实施控制、分析结果和修正目标等层次构成，这一控制系统的有效运行必将促进商业银行操作风险控制效果与效率的提高。
［关键词］ 商业银行；操作风险；企业风险管理；生态金融；动态控制；系统优化
［Abstract］ Based on reviewing domestic and foreign studies on commercial bank's operating risks, this paper focuses on the situation of Chinese commercial bank's operating risks and uses ecological control theory and methods, according to the requirements of ERM, to construct a basic framework of ecological internal control system over operating risks of commercial banks. Along with significantly enhancing the effectiveness of the internal control, this system also emphasizes the self-amendment and function improvement. In this framework, the horizontal system includes objective setting, incident lock-in, risk evaluation, risk assessment, control procedure, control measures, supervision and objective amendment. The vertical system is composed of standards, available approaches, control fulfillment, result analysis and objective amendment. This system's effective operation is bound to improve the effect and efficiency of commercial bank's operating risk control.
［Key words］ commercial bank; operating risk; enterprise risk management; ecological finance; dynamic control; system optimization
商业银行金融产品与服务跨市场创新研究
马梦琪
［摘 要］ 跨市场效应是金融创新的动因，也是金融创新的必然结果。本文从金融创新理论出发，阐述了国内商业银行跨市场金融产品与服务创新的内涵、特点及其效应，以深圳银行业为例，将金融产品与服务跨市场创新归纳为银行传统业务整合创新、银行传统业务与其他金融业务交叉创新、银行服务与非金融服务业组合创新、深港两地境内外市场联动创新等四个方面。作者还提出加快商业银行产品与服务跨市场创新的策略是：建立跨市场金融创新机制，培养跨市场金融创新人才，防范跨市场金融创新风险，完善跨市场金融创新监管，营造跨市场金融创新环境。
［关键词］ 商业银行；金融产品；金融服务；跨市场创新
［Abstract］ Trans-market effect is both the motivation and inevitable result of financial innovation. From the perspective of financial innovation theory, this paper expounds the connotation, features and effects of domestic commercial bank's trans-market innovation on financial products and services. With the example of the banking in Shenzhen, trans-market innovation on financial products and services are divided into integration innovation of traditional banking businesses, cross-innovation of traditional banking businesses and other financial businesses, combination innovation of banking services and non-banking services and chain reaction innovation between Shenzhen market and Hong Kong market. The author also proposes several strategies to accelerate trans-market innovation on commercial bank's products and services as follows: establishing a trans-market financial innovation system, training relevant talents, keeping watching on the risks, strengthening the supervision and creating a healthy innovation environment.
［Key words］ commercial bank; financial product; financial service; trans-market innovation
论商业银行内部控制有效性的实现
中国工商银行河南省分行营业部课题组
［摘 要］ 自20世纪90年代以来，国际上一些历史悠久的商业银行相继因内控不力、违章经营最终倒闭，而我国也有相关的案例发生，这些情况引起了人们的深思。本文经过周密分析，认为发生这种情况的原因在于这些金融机构在经营管理和内部控制方面存在着严重的问题。因此，加强内部控制、提高内部控制的有效性成为我国商业银行今后经营管理的重要工作。本文在分析商业银行内部控制不能得以有效执行的原因的基础上，阐述了商业银行内部控制有效性实现的原则，同时从加强董事会建设、构建科学的内控体系、打造高素质内控队伍、建立风险预警系统等方面提出了商业银行内部控制得以有效执行的配套措施。
［关键词］ 商业银行；COSO；内部控制；有效性
［Abstract］ Since 1990s, many historic international commercial banks came into bankruptcy due to their weak internal control and operating violation. Such cases also happened in China and have caused people's extensive attention. This paper points out that the serious loopholes in those financial institutions' operating management and internal control gave rise to their failure. Therefore, for Chinese commercial banks, one of key tasks is to continously enhance the validity of their internal control. Based on why commercial bank's internal control cannot be effectively exercised, this paper expounds the principles to realize the validity of internal control and puts forward corresponding measures, such as establishing a powerful board of directors, building a scientific internal control system, cultivating professional talents in internal control and setting up the risk precaution system.
［Key words］ commercial bank; COSO; internal control; validity
结算与现金管理产品和服务创新研究——以中国工商银行宁波分行为例
中国工商银行宁波分行课题组
［摘 要］ 创新是企业生存发展的内在需要，也是增强竞争力的重要手段。加快创新和改进服务是中国工商银行总行2007年工作的两个重要抓手，只有不断创新和改进服务，才能有效提升工商银行的核心竞争力。本文从目前宁波分行结算与现金管理产品创新和服务创新现状分析入手，深入研究了影响工商银行结算与现金管理业务发展的内外部因素，并从提升品牌特色、加强市场需求调研、强化产品研发、针对细分市场分层营销、建立营销机制、加快服务渠道建设、完善产品售后服务体系等方面提出了加快工商银行结算与现金管理产品和服务创新的具体措施。
［关键词］ 工商银行；结算；现金管理；产品创新；服务创新
［Abstract］ Innovation is an enterprise's internal demand to obtain development, as well as the important approach to enhance its competence. Quickening innovation and improving service quality, two core tasks of ICBC in 2007, can effectively advance ICBC's core competence. Beginning with introducing Ningbo Branch's developing status in settlement and cash management business innovation, the paper makes in-depth research on the internal and external factors affecting ICBC to develop this business and proposes several detailed counter-measures, such as enhancing brand characters, strengthening investigation of market demands, emphasizing product R&D, establishing hierarchical marketing mechanism according to the market segments, speeding up the construction of service and perfecting the after-sale service system.
［Key words］ ICBC; settlement; cash management; product innovation; service innovation
论商业银行的社会责任
曹涌涛 王建萍
［摘 要］ 商业银行的社会责任主要指商业银行对其利益相关者所承担的经济、法律、道德和慈善方面的责任。履行社会责任是现代商业银行成熟的标志，也是完善商业银行公司治理机制的重要举措。我国商业银行在履行社会责任方面与国外商业银行相比还有很大差距，主要体现在社会责任观念淡薄、相关管理目标缺乏、支持慈善事业力度不够、员工劳动保护措施不力、诚信竞争原则不足等方面。鉴于此，作者指出商业银行履行社会责任需要多重力量，需要政府和社会的推动、法律和制度的外部强制、舆论的监督和引导，更需要商业银行内部自律机制，以完善治理结构为契机，加强自我约束，使其符合企业社会责任规范。
［关键词］ 商业银行；企业社会责任；公司治理；信息披露
［Abstract］ Commercial banks' social responsibilities mainly involve their economic, legal, moral and charitable responsibilities owed to stakeholders. Actively fulfilling the social responsibilities is both the symbol of a mature commercial bank and the important measure to improve commercial bank's corporate governance. There are significant disparities between Chinese and foreign commercial banks in implementing their social responsibilities, which reflect in Chinese commercial bank's lack in social responsibility awareness, relevant management objective, support to charitable undertakings, powerful protection to employees and good faith principle in competition. Given this situation, the paper proposes that both external and internal forces are needed to further commercial banks to exercise their social responsibilities. External forces incorporate the impetus of government and society, the mandatory requirements of laws and regulations and the guidance of public opinion. Furthermore, commercial banks have to establish internal self-regulation mechanism to improve their corporate governance, strengthen self-control and make themselves in line with enterprise's social responsibility norms.
［Key words］ commercial bank; enterprise's social responsibility; corporate governance; information disclosure
商业银行个人住房转按揭贷款法律问题研究
耿丹丹
［摘 要］ 近年来，商业银行个人住房转按揭贷款在中国迅速发展。作为一种新型的融资方式，个人住房转按揭贷款涉及的当事人较多，法律关系较为复杂。本文根据转按揭涉及的主体不同将其划分为三类，并分别介绍了它们各自产生的动因和相关的法律依据。在此基础上，作者详细阐述了个人住房转按揭贷款中涉及的保险法律问题，以及银行在其中所处的法律地位。针对转按揭贷款业务的流程特点，笔者指出由于转按揭贷款在发放后的一段时间内没有抵押担保，银行由此面临风险，而加强银行之间的合作以及选择专业的担保公司作为保证人是防范上述风险的有效途径。
［关键词］ 商业银行；个人住房按揭贷款；个人住房转按揭贷款；住房按揭保险；法律风险
［Abstract］ Commercial bank's personal housing re-mortgage loan business has grown dramatically in China in recent years. As a new type of financing tool, this business involves various parties which results in a variety of complicated legal issues. This paper divides the business into three types according to different subjects involved and introduces their motivations and related legal basis respectively. Furthermore, the paper gives a detailed explanation about legal issues of insurance concerning personal housing re-mortgage loan and commercial bank's legal status in those issues. Centering on the process character of this business, the author points out that due to the lack of collaterals during a period after the issue of re-mortgage loan, commercial banks have to face the potential risk, and strengthening the cooperation among commercial banks and choosing professional guarantee corporations would be effective approaches to reduce such risk.
［Key words］ commercial bank; personal housing mortgage loan; personal housing re-mortgage loan; mortgage loan insurance; legal risk
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