CAJ | 학술논문

做大做强现金管理和贸易融资等交易银行业务，转变经营模式，已成为国内很多商业银行应对利率市场化的共同选择。然而与外资银行的领先实践相比，中资银行在全球服务能力、服务质量和专业化水平等方面差距明显。本文通过对标外资银行，阐述了打造中资银行交易银行业务核心竞争力的路径，并提出明确战略核心定位、做好顶层设计、加强客户管理、完善产品创新机制、加强队伍建设等方面的建议。
주대주강현금관리화무역융자등교역은행업무，전변경영모식，이성위국내흔다상업은행응대리솔시장화적공동선택。연이여외자은행적령선실천상비，중자은행재전구복무능력、복무질량화전업화수평등방면차거명현。본문통과대표외자은행，천술료타조중자은행교역은행업무핵심경쟁력적로경，병제출명학전략핵심정위、주호정층설계、가강객호관리、완선산품창신궤제、가강대오건설등방면적건의。
Strengthening cash management and trade finance and other transactional banking businesses, along with changing management mode have become many domestic commercial banks' common choices in response to interest rate's marketization. However, compared with foreign Banks' leading practice, Chinese banks still have a long way to go in aspects like global service ability, service quality, professional level and etc. . With foreign banks as the benchmark,this paper expounds how to build the core competitiveness of Chinese banks in their transactional banking businesses and gives suggestions on how to clarify the strategic positioning, complete the top-level design, strengthen the customer man?agement, improve product innovation mechanism, and strengthen the team construction and etc.