管理创新与中小银行转型——新昌农村合作银行经济资本管理案例分析  

Management Innovation and SMBs’ Transformation——A Case Study Based on Xinchang Rural Cooperative Bank

作　　者：李广子[1] 曾刚[1] 

机构地区：[1]中国社会科学院金融研究所银行研究室

出　　处：《国际金融研究》2013年第8期76-88,共13页Studies of International Finance

基　　金：国家自然科学基金青年基金项目(编号71202133);2012年度国家社科基金重大项目(编号12&ZD086);中国社会科学院青年科研启动基金B类项目(编号1100000074)的阶段性研究成果

摘　　要：中小银行如何转型是近期理论界和实务界关注的一个重点。与现有研究较多地关注业务层面的创新不同,本文强调了管理创新对中小银行转型的重要作用。本文以新昌农合行实施经济资本管理为例,考察了管理水平相对落后的中小银行如何进行管理创新。研究发现,中小银行能够创造条件,在当前相对落后的管理水平下,利用先进的管理方法和管理技术,实施有效的管理创新。通过实施管理创新,中小银行在业务结构、资产质量、经营风险和盈利能力等方面都有明显改善。因此,管理创新是中小银行实施转型的一种有效手段。此外,本文还对中小银行实施管理创新的一些关键环节进行了总结,同时介绍了其他银行通过管理创新实施转型的一些经验。本文的研究对促进中小银行转型具有较高的参考价值。Small and medium-sized banks＇（SMBs） transformation has been an important focus by scholars and practitioners recently. Different from previous research which focuses more on operational innovation in SMBs, this paper emphasizes the important role of management innovation in SMBs＇transformation. Using Xinchang Rural Cooperative Bank＇s implementation of economic capital management system as an example, this paper analyzes how those SMBs with relatively poor management implement management innovation. The study finds that, those SMBs with relatively poor management can create conditions for effective management innovation based on advanced management concepts and methods. Management innovation will then have positive effect on SMBs in many aspects, including business structure, asset quality, operation risk and profitability, etc. Therefore, management innovation turns out to be effective means for SMBs＇transformation. In addition, several key aspects for SMBs to implement management innovation and experiences of some banks which implement management innovation in their transformation are summarized. This study has an important reference value for SMBs＇ transformation.

关 键 词：管理创新 经济资本管理 中小银行 风险 EVA 

分 类 号：F831[经济管理—金融学]