论银企双向一体化和长期契约关系的建立——对商业银行业务流程“再造”的理论探讨  

The Integrative Mechanism and the Long-term Contractual Relationship between the Commercial Bank and the Corporation --The Theory about the Commercial Bank "Redesign" Business Process

作　　者：邵畅[1] 邵楚婴 

机构地区：[1]中国光大银行上海分行 [2]上海浦东发展银行总行

出　　处：《中央财经大学学报》2002年第10期33-36,共4页Journal of Central University of Finance & Economics

摘　　要：随着经济和金融体系市场化程度的不断加深 ,银企间的交易机制必然发生相应变革 ,由完全竞争市场机制转向“银企双向一体化”机制 ,以便降低“交易费用” ,形成长期契约关系。这一变化也必然引起我国商业银行“再造”自身业务流程 ,形成以“客户为中心”进行市场定位、客户选择、产品设计和市场营销的组织管理模式 。With the China expanding the marketnism and reform of the economic and financial system, the framework of transaction between the commercial bank and the corporation will be changed from fully competive market mechanism to 'integrative mechanism between the commercial bank and the corporation'. This change will also make the commercial bank of our country to 'redesign'the business process itself and to set up organization of management which is forcus on the client, including positioning market, choosing client, designing financial product and marketing. The core competitive capability of the bank will be increased accordingly.

关 键 词：银企一体化 契约关系 商业银行 业务流程“再造” 

分 类 号：F832.33[经济管理—金融学]