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近(jin)年(nian)来(lai),面(mian)对(dui)经(jing)济(ji)下(xia)行(xing)压(ya)力(li)冲(chong)击(ji),我(wo)国(guo)金(jin)融(rong)业(ye)的(de)周(zhou)期(qi)性(xing)问(wen)题(ti)、长(chang)期(qi)积(ji)累(lei)的(de)结(jie)构(gou)性(xing)问(wen)题(ti)逐(zhu)步(bu)显(xian)现(xian),特(te)别(bie)是(shi)中(zhong)小(xiao)金(jin)融(rong)机(ji)构(gou)生(sheng)存(cun)与(yu)发(fa)展(zhan)面(mian)临(lin)一(yi)定(ding)挑(tiao)战(zhan)。 临(lin)近(jin)2023年(nian)尾(wei)声(sheng),南(na)都(du)湾(wan)财(cai)社(she)不(bu)完(wan)全(quan)梳(shu)理(li)发(fa)现(xian),今(jin)年(nian)以(yi)来(lai),已(yi)有(you)近(jin)30家(jia)中(zhong)小(xiao)银(yin)行(xing)因(yin)市(shi)场(chang)化(hua)退(tui)出(chu)、吸(xi)收(shou)合(he)并(bing)等(deng)原(yuan)因(yin)被(bei)解(jie)散(san)。 近(jin)日(ri),陕(shan)西(xi)秦(qin)农(nong)农(nong)村(cun)商(shang)业(ye)银(yin)行(xing)股(gu)份(fen)有(you)限(xian)公(gong)司(si)(以(yi)下(xia)简(jian)称(chen)“秦(qin)农(nong)银(yin)行(xing)”)召(zhao)开(kai)临(lin)时(shi)股(gu)东(dong)大(da)会(hui),审(shen)议(yi)关(guan)于(yu)了(le)吸(xi)收(shou)合(he)并(bing)蓝(la)田(tian)农(nong)商(shang)银(yin)行(xing)和(he)周(zhou)至(zhi)农(nong)商(shang)银(yin)行(xing)的(de)相(xiang)关(guan)议(yi)案(an)。至(zhi)此(ci),仅(jin)四(si)季(ji)度(du),就(jiu)已(yi)有(you)近(jin)20家(jia)银(yin)行(xing)涉(she)及(ji)吸(xi)收(shou)合(he)并(bing),中(zhong)小(xiao)银(yin)行(xing)改(gai)革(ge)化(hua)险(xian)呈(cheng)现(xian)出(chu)加(jia)速(su)趋(qu)势(shi)。 中(zhong)小(xiao)银(yin)行(xing)吸(xi)收(shou)合(he)并(bing)呈(cheng)加(jia)速(su)状(zhuang)态(tai) 步(bu)入(ru)2023年(nian)四(si)季(ji)度(du),中(zhong)小(xiao)银(yin)行(xing)吸(xi)收(shou)合(he)并(bing)的(de)消(xiao)息(xi)此(ci)起(qi)彼(bi)伏(fu)。 12月(yue)25日(ri),秦(qin)农(nong)银(yin)行(xing)召(zhao)开(kai)临(lin)时(shi)股(gu)东(dong)大(da)会(hui),审(shen)议(yi)吸(xi)收(shou)合(he)并(bing)陕(shan)西(xi)蓝(la)田(tian)农(nong)村(cun)商(shang)业(ye)银(yin)行(xing)有(you)限(xian)责(ze)任(ren)公(gong)司(si)(以(yi)下(xia)简(jian)称(chen)“蓝(la)田(tian)农(nong)商(shang)银(yin)行(xing)”)和(he)陕(shan)西(xi)周(zhou)至(zhi)农(nong)村(cun)商(shang)业(ye)银(yin)行(xing)有(you)限(xian)责(ze)任(ren)公(gong)司(si)(以(yi)下(xia)简(jian)称(chen)“周(zhou)至(zhi)农(nong)商(shang)银(yin)行(xing)”)。 据(ju)悉(xi),秦(qin)农(nong)银(yin)行(xing)于(yu)2015年(nian)5月(yue)成(cheng)立(li),以(yi)原(yuan)西(xi)安(an)市(shi)城(cheng)六(liu)区(qu)农(nong)村(cun)信(xin)用(yong)合(he)作(zuo)联(lian)社(she)为(wei)基(ji)础(chu),通(tong)过(guo)新(xin)设(she)合(he)并(bing)方(fang)式(shi)组(zu)建(jian)。蓝(la)田(tian)农(nong)商(shang)银(yin)行(xing)和(he)周(zhou)至(zhi)农(nong)商(shang)银(yin)行(xing)均(jun)为(wei)秦(qin)农(nong)银(yin)行(xing)全(quan)资(zi)子(zi)公(gong)司(si)。 值(zhi)得(de)注(zhu)意(yi)的(de)是(shi),截(jie)至(zhi)目(mu)前(qian),秦(qin)农(nong)银(yin)行(xing)尚(shang)未(wei)对(dui)临(lin)时(shi)股(gu)东(dong)大(da)会(hui)的(de)相(xiang)关(guan)议(yi)案(an)发(fa)布(bu)审(shen)议(yi)公(gong)告(gao)。 在(zai)秦(qin)农(nong)银(yin)行(xing)之(zhi)前(qian),德(de)阳(yang)农(nong)村(cun)商(shang)业(ye)银(yin)行(xing)股(gu)份(fen)有(you)限(xian)公(gong)司(si)吸(xi)收(shou)合(he)并(bing)四(si)川(chuan)广(guang)汉(han)农(nong)村(cun)商(shang)业(ye)银(yin)行(xing)股(gu)份(fen)有(you)限(xian)公(gong)司(si)、四(si)川(chuan)什(shi)邡(fang)农(nong)村(cun)商(shang)业(ye)银(yin)行(xing)股(gu)份(fen)有(you)限(xian)公(gong)司(si)、四(si)川(chuan)绵(mian)竹(zhu)农(nong)村(cun)商(shang)业(ye)银(yin)行(xing)股(gu)份(fen)有(you)限(xian)公(gong)司(si)、四(si)川(chuan)中(zhong)江(jiang)农(nong)村(cun)商(shang)业(ye)银(yin)行(xing)股(gu)份(fen)有(you)限(xian)公(gong)司(si)等(deng)四(si)家(jia)机(ji)构(gou)于(yu)12月(yue)22日(ri)获(huo)得(de)了(le)国(guo)家(jia)金(jin)融(rong)监(jian)督(du)管(guan)理(li)总(zong)局(ju)四(si)川(chuan)监(jian)管(guan)局(ju)批(pi)复(fu)。 此(ci)外(wai),国(guo)家(jia)金(jin)融(rong)监(jian)督(du)管(guan)理(li)总(zong)局(ju)新(xin)疆(jiang)监(jian)管(guan)局(ju)12月(yue)21日(ri)消(xiao)息(xi)显(xian)示(shi),新(xin)疆(jiang)阿(a)克(ke)苏(su)农(nong)村(cun)商(shang)业(ye)银(yin)行(xing)股(gu)份(fen)有(you)限(xian)公(gong)司(si)、新(xin)疆(jiang)温(wen)宿(su)农(nong)村(cun)商(shang)业(ye)银(yin)行(xing)股(gu)份(fen)有(you)限(xian)公(gong)司(si)等(deng)8家(jia)中(zhong)小(xiao)银(yin)行(xing)机(ji)构(gou)新(xin)设(she)合(he)并(bing)组(zu)建(jian)阿(a)克(ke)苏(su)塔(ta)里(li)木(mu)农(nong)村(cun)商(shang)业(ye)银(yin)行(xing)股(gu)份(fen)有(you)限(xian)公(gong)司(si),因(yin)合(he)并(bing)而(e)解(jie)散(san)。 招(zhao)联(lian)首(shou)席(xi)研(yan)究(jiu)员(yuan)董(dong)希(xi)淼(miao)向(xiang)南(na)都(du)湾(wan)财(cai)社(she)记(ji)者(zhe)介(jie)绍(shao)了(le)当(dang)前(qian)村(cun)镇(zhen)银(yin)行(xing)结(jie)构(gou)性(xing)重(zhong)组(zu)的(de)4种(zhong)主(zhu)要(yao)方(fang)式(shi): 第(di)一(yi)种(zhong),村(cun)镇(zhen)银(yin)行(xing)被(bei)主(zhu)发(fa)起(qi)行(xing)吸(xi)收(shou)合(he)并(bing),改(gai)制(zhi)为(wei)主(zhu)发(fa)起(qi)行(xing)的(de)分(fen)支(zhi)机(ji)构(gou)。该(gai)方(fang)式(shi)将(jiang)村(cun)镇(zhen)银(yin)行(xing)业(ye)务(wu)纳(na)入(ru)主(zhu)发(fa)起(qi)行(xing)直(zhi)接(jie)管(guan)理(li),有(you)助(zhu)于(yu)增(zeng)强(qiang)村(cun)镇(zhen)服(fu)务(wu)能(neng)力(li)和(he)抗(kang)风(feng)险(xian)能(neng)力(li),更(geng)有(you)效(xiao)率(lu)地(di)推(tui)进(jin)改(gai)革(ge)化(hua)险(xian); 第(di)二(e)种(zhong),多(duo)家(jia)村(cun)镇(zhen)银(yin)行(xing)合(he)并(bing)重(zhong)组(zu)为(wei)一(yi)家(jia)。该(gai)方(fang)式(shi)需(xu)要(yao)多(duo)家(jia)村(cun)镇(zhen)银(yin)行(xing)经(jing)营(ying)区(qu)域(yu)相(xiang)邻(lin)相(xiang)近(jin),以(yi)便(bian)于(yu)进(jin)行(xing)合(he)并(bing)重(zhong)组(zu)和(he)经(jing)营(ying)管(guan)理(li); 第(di)三(san)种(zhong),村(cun)镇(zhen)银(yin)行(xing)直(zhi)接(jie)解(jie)散(san),实(shi)施(shi)市(shi)场(chang)化(hua)退(tui)出(chu)。该(gai)方(fang)式(shi)需(xu)要(yao)对(dui)存(cun)款(kuan)人(ren)、投(tou)资(zi)人(ren)的(de)合(he)法(fa)权(quan)益(yi)进(jin)行(xing)妥(tuo)善(shan)安(an)排(pai),减(jian)少(shao)因(yin)为(wei)退(tui)出(chu)给(ji)市(shi)场(chang)带(dai)来(lai)波(bo)动(dong); 第(di)四(si)种(zhong),主(zhu)发(fa)起(qi)行(xing)通(tong)过(guo)增(zeng)持(chi)旗(qi)下(xia)村(cun)镇(zhen)银(yin)行(xing)股(gu)份(fen),来(lai)加(jia)强(qiang)对(dui)村(cun)镇(zhen)银(yin)行(xing)的(de)管(guan)理(li)和(he)治(zhi)理(li)。该(gai)方(fang)式(shi)保(bao)持(chi)村(cun)镇(zhen)银(yin)行(xing)独(du)立(li)经(jing)营(ying)的(de)地(di)位(wei)不(bu)变(bian),对(dui)客(ke)户(hu)服(fu)务(wu)的(de)影(ying)响(xiang)最(zui)小(xiao)。 南(na)都(du)湾(wan)财(cai)社(she)记(ji)者(zhe)据(ju)国(guo)家(jia)金(jin)融(rong)监(jian)督(du)管(guan)理(li)总(zong)局(ju)的(de)公(gong)告(gao)消(xiao)息(xi)进(jin)行(xing)不(bu)完(wan)全(quan)梳(shu)理(li)发(fa)现(xian),2023年(nian)有(you)近(jin)30家(jia)中(zhong)小(xiao)银(yin)行(xing)机(ji)构(gou)被(bei)解(jie)散(san),或(huo)因(yin)吸(xi)收(shou)合(he)并(bing),或(huo)因(yin)市(shi)场(chang)化(hua)退(tui)出(chu)等(deng)。 其(qi)中(zhong),2023年(nian)获(huo)得(de)收(shou)购(gou)、吸(xi)收(shou)合(he)并(bing)、新(xin)设(she)合(he)并(bing)批(pi)复(fu)的(de)中(zhong)小(xiao)银(yin)行(xing)机(ji)构(gou)除(chu)上(shang)文(wen)已(yi)介(jie)绍(shao)的(de)12家(jia)之(zhi)外(wai),还(hai)包(bao)括(kuo)辽(liao)宁(ning)千(qian)山(shan)金(jin)泉(quan)村(cun)镇(zhen)银(yin)行(xing)股(gu)份(fen)有(you)限(xian)公(gong)司(si)、昭(zhao)通(tong)昭(zhao)阳(yang)富(fu)滇(dian)村(cun)镇(zhen)银(yin)行(xing)、广(guang)西(xi)融(rong)水(shui)柳(liu)银(yin)村(cun)镇(zhen)银(yin)行(xing)股(gu)份(fen)有(you)限(xian)公(gong)司(si)、藁(gao)城(cheng)恒(heng)升(sheng)村(cun)镇(zhen)银(yin)行(xing)股(gu)份(fen)有(you)限(xian)公(gong)司(si)、晋(jin)州(zhou)恒(heng)升(sheng)村(cun)镇(zhen)银(yin)行(xing)股(gu)份(fen)有(you)限(xian)公(gong)司(si)、北(bei)京(jing)大(da)兴(xing)华(hua)夏(xia)村(cun)镇(zhen)银(yin)行(xing)有(you)限(xian)责(ze)任(ren)公(gong)司(si)、霍(huo)林(lin)郭(guo)勒(le)蒙(meng)银(yin)村(cun)镇(zhen)银(yin)行(xing)有(you)限(xian)责(ze)任(ren)公(gong)司(si)、内(nei)蒙(meng)古(gu)和(he)林(lin)格(ge)尔(e)蒙(meng)商(shang)村(cun)镇(zhen)银(yin)行(xing)有(you)限(xian)责(ze)任(ren)公(gong)司(si)等(deng)。 2023年(nian)还(hai)有(you)部(bu)分(fen)因(yin)早(zao)年(nian)完(wan)成(cheng)吸(xi)收(shou)合(he)并(bing)、市(shi)场(chang)化(hua)退(tui)出(chu)等(deng)原(yuan)因(yin)而(e)宣(xuan)告(gao)解(jie)散(san)的(de)中(zhong)小(xiao)银(yin)行(xing)机(ji)构(gou),包(bao)括(kuo)陕(shan)西(xi)南(na)郑(zheng)农(nong)村(cun)商(shang)业(ye)银(yin)行(xing)股(gu)份(fen)有(you)限(xian)公(gong)司(si)、汉(han)中(zhong)市(shi)汉(han)台(tai)区(qu)农(nong)村(cun)信(xin)用(yong)合(he)作(zuo)联(lian)社(she)、重(zhong)庆(qing)梁(liang)平(ping)澳(ao)新(xin)村(cun)镇(zhen)银(yin)行(xing)有(you)限(xian)责(ze)任(ren)公(gong)司(si)、安(an)阳(yang)县(xian)黄(huang)口(kou)村(cun)惠(hui)民(min)农(nong)村(cun)资(zi)金(jin)互(hu)助(zhu)社(she)、延(yan)寿(shou)融(rong)兴(xing)村(cun)镇(zhen)银(yin)行(xing)有(you)限(xian)责(ze)任(ren)公(gong)司(si)、巴(ba)彦(yan)融(rong)兴(xing)村(cun)镇(zhen)银(yin)行(xing)有(you)限(xian)责(ze)任(ren)公(gong)司(si)等(deng)。 值(zhi)得(de)注(zhu)意(yi)的(de)是(shi),仅(jin)就(jiu)不(bu)完(wan)全(quan)统(tong)计(ji)的(de)资(zi)料(liao)来(lai)看(kan),第(di)四(si)季(ji)度(du)涉(she)及(ji)吸(xi)收(shou)合(he)并(bing)中(zhong)小(xiao)银(yin)行(xing)机(ji)构(gou)已(yi)经(jing)超(chao)过(guo)20家(jia),在(zai)全(quan)年(nian)中(zhong)占(zhan)据(ju)绝(jue)大(da)多(duo)数(shu)的(de)比(bi)重(zhong),呈(cheng)现(xian)出(chu)加(jia)速(su)状(zhuang)态(tai)。 要(yao)知(zhi)道(dao),2022年(nian)全(quan)年(nian)被(bei)解(jie)散(san)的(de)小(xiao)型(xing)金(jin)融(rong)机(ji)构(gou)不(bu)足(zu)20家(jia),而(e)在(zai)2022年(nian)之(zhi)前(qian),每(mei)年(nian)被(bei)解(jie)散(san)的(de)中(zhong)小(xiao)银(yin)行(xing)数(shu)量(liang)更(geng)是(shi)不(bu)足(zu)10家(jia)。在(zai)董(dong)希(xi)淼(miao)看(kan)来(lai),未(wei)来(lai)一(yi)段(duan)时(shi)间(jian),我(wo)国(guo)村(cun)镇(zhen)银(yin)行(xing)结(jie)构(gou)性(xing)重(zhong)组(zu)速(su)度(du)将(jiang)加(jia)快(kuai),村(cun)镇(zhen)银(yin)行(xing)数(shu)量(liang)将(jiang)逐(zhu)步(bu)减(jian)少(shao)。 中(zhong)小(xiao)银(yin)行(xing)改(gai)革(ge)化(hua)险(xian)如(ru)何(he)深(shen)入(ru)推(tui)进(jin) 全(quan)国(guo)农(nong)村(cun)中(zhong)小(xiao)银(yin)行(xing),是(shi)金(jin)融(rong)助(zhu)农(nong)、支(zhi)微(wei)的(de)重(zhong)要(yao)力(li)量(liang),同(tong)时(shi)也(ye)面(mian)临(lin)着(zhe)风(feng)险(xian)挑(tiao)战(zhan),为(wei)此(ci)深(shen)入(ru)推(tui)进(jin)改(gai)革(ge)化(hua)险(xian)至(zhi)关(guan)重(zhong)要(yao)。 数(shu)据(ju)显(xian)示(shi),截(jie)至(zhi)2023年(nian)6月(yue)末(mo),全(quan)国(guo)农(nong)村(cun)中(zhong)小(xiao)银(yin)行(xing)涉(she)农(nong)和(he)小(xiao)微(wei)企(qi)业(ye)贷(dai)款(kuan)余(yu)额(e)分(fen)别(bie)达(da)到(dao)15.4万(wan)亿(yi)元(yuan)、16.1万(wan)亿(yi)元(yuan)。其(qi)中(zhong),涉(she)农(nong)和(he)小(xiao)微(wei)企(qi)业(ye)贷(dai)款(kuan)占(zhan)贷(dai)款(kuan)总(zong)额(e)的(de)近(jin)八(ba)成(cheng),中(zhong)小(xiao)银(yin)行(xing)对(dui)于(yu)助(zhu)农(nong)、支(zhi)微(wei)的(de)重(zhong)要(yao)性(xing)可(ke)见(jian)一(yi)斑(ban)。 与(yu)之(zhi)相(xiang)对(dui)的(de)是(shi),近(jin)年(nian)来(lai)乡(xiang)镇(zhen)银(yin)行(xing)爆(bao)雷(lei)的(de)事(shi)件(jian)相(xiang)继(ji)发(fa)生(sheng),为(wei)此(ci)中(zhong)央(yang)金(jin)融(rong)工(gong)作(zuo)会(hui)议(yi)要(yao)求(qiu),“严(yan)格(ge)中(zhong)小(xiao)金(jin)融(rong)机(ji)构(gou)准(zhun)入(ru)标(biao)准(zhun)和(he)监(jian)管(guan)要(yao)求(qiu)” “及(ji)时(shi)处(chu)置(zhi)中(zhong)小(xiao)金(jin)融(rong)机(ji)构(gou)风(feng)险(xian)”,并(bing)强(qiang)调(diao),“化(hua)解(jie)中(zhong)小(xiao)金(jin)融(rong)机(ji)构(gou)风(feng)险(xian),严(yan)厉(li)打(da)击(ji)非(fei)法(fa)金(jin)融(rong)活(huo)动(dong)”。 董(dong)希(xi)淼(miao)向(xiang)南(na)都(du)湾(wan)财(cai)社(she)记(ji)者(zhe)表(biao)示(shi),做(zuo)好(hao)中(zhong)小(xiao)银(yin)行(xing)改(gai)革(ge)化(hua)险(xian)工(gong)作(zuo),主(zhu)要(yao)有(you)四(si)个(ge)方(fang)面(mian)建(jian)议(yi): 第(di)一(yi),做(zuo)好(hao)顶(ding)层(ceng)设(she)计(ji)。农(nong)村(cun)信(xin)用(yong)社(she)改(gai)革(ge)是(shi)中(zhong)小(xiao)银(yin)行(xing)改(gai)革(ge)化(hua)险(xian)的(de)重(zhong)点(dian)。建(jian)议(yi)出(chu)台(tai)系(xi)统(tong)性(xing)文(wen)件(jian),加(jia)强(qiang)对(dui)农(nong)村(cun)信(xin)用(yong)社(she)改(gai)革(ge)的(de)顶(ding)层(ceng)设(she)计(ji),进(jin)一(yi)步(bu)明(ming)确(que)这(zhe)一(yi)轮(lun)改(gai)革(ge)化(hua)险(xian)需(xu)要(yao)遵(zun)循(xun)的(de)基(ji)本(ben)原(yuan)则(ze)和(he)总(zong)体(ti)要(yao)求(qiu)。 第(di)二(e),加(jia)强(qiang)政(zheng)策(ce)支(zhi)持(chi)。人(ren)民(min)银(yin)行(xing)和(he)金(jin)融(rong)监(jian)管(guan)部(bu)门(men)可(ke)以(yi)采(cai)取(qu)更(geng)多(duo)的(de)措(cuo)施(shi),支(zhi)持(chi)中(zhong)小(xiao)银(yin)行(xing)更(geng)好(hao)地(di)建(jian)立(li)资(zi)本(ben)补(bu)充(chong)的(de)长(chang)效(xiao)机(ji)制(zhi),让(rang)中(zhong)小(xiao)银(yin)行(xing)能(neng)够(gou)持(chi)续(xu)通(tong)过(guo)资(zi)本(ben)补(bu)充(chong)来(lai)提(ti)高(gao)发(fa)展(zhan)的(de)稳(wen)健(jian)性(xing)。 第(di)三(san),坚(jian)持(chi)“因(yin)地(di)制(zhi)宜(yi)”原(yuan)则(ze)。认(ren)真(zhen)按(an)照(zhao)“一(yi)省(sheng)一(yi)策(ce)”要(yao)求(qiu),来(lai)设(she)计(ji)中(zhong)小(xiao)银(yin)行(xing)改(gai)革(ge)化(hua)险(xian)的(de)具(ju)体(ti)方(fang)案(an)。在(zai)农(nong)村(cun)信(xin)用(yong)社(she)改(gai)革(ge)中(zhong),各(ge)省(sheng)份(fen)要(yao)根(gen)据(ju)不(bu)同(tong)情(qing)况(kuang),兼(jian)顾(gu)促(cu)进(jin)发(fa)展(zhan)和(he)防(fang)范(fan)风(feng)险(xian)双(shuang)重(zhong)目(mu)标(biao),探(tan)索(suo)新(xin)机(ji)制(zhi)、新(xin)模(mo)式(shi)。在(zai)改(gai)革(ge)中(zhong),不(bu)同(tong)地(di)方(fang)改(gai)革(ge)的(de)重(zhong)点(dian)和(he)次(ci)序(xu)应(ying)有(you)所(suo)不(bu)同(tong)。 第(di)四(si),强(qiang)化(hua)银(yin)行(xing)主(zhu)体(ti)责(ze)任(ren)。加(jia)快(kuai)中(zhong)小(xiao)银(yin)行(xing)改(gai)革(ge)化(hua)险(xian),不(bu)能(neng)只(zhi)依(yi)靠(kao)国(guo)家(jia)政(zheng)策(ce)和(he)金(jin)融(rong)管(guan)理(li)部(bu)门(men),中(zhong)小(xiao)银(yin)行(xing)发(fa)挥(hui)主(zhu)体(ti)责(ze)任(ren)是(shi)最(zui)重(zhong)要(yao)的(de)。中(zhong)小(xiao)银(yin)行(xing)一(yi)定(ding)要(yao)强(qiang)化(hua)主(zhu)体(ti)责(ze)任(ren)意(yi)识(shi),制(zhi)定(ding)科(ke)学(xue)务(wu)实(shi)的(de)发(fa)展(zhan)战(zhan)略(lue),提(ti)升(sheng)公(gong)司(si)治(zhi)理(li)水(shui)平(ping),在(zai)细(xi)分(fen)市(shi)场(chang)寻(xun)找(zhao)差(cha)异(yi)化(hua)定(ding)位(wei),进(jin)行(xing)更(geng)精(jing)准(zhun)的(de)数(shu)字(zi)化(hua)转(zhuan)型(xing),降(jiang)低(di)运(yun)营(ying)成(cheng)本(ben)、提(ti)高(gao)服(fu)务(wu)效(xiao)率(lu)和(he)客(ke)户(hu)体(ti)验(yan),逐(zhu)步(bu)迈(mai)上(shang)特(te)色(se)化(hua)和(he)精(jing)细(xi)化(hua)发(fa)展(zhan)之(zhi)路(lu)。 董(dong)希(xi)淼(miao)同(tong)时(shi)强(qiang)调(diao),兼(jian)并(bing)重(zhong)组(zu)并(bing)不(bu)是(shi)“一(yi)招(zhao)鲜(xian)”,防(fang)范(fan)化(hua)解(jie)金(jin)融(rong)风(feng)险(xian)、加(jia)快(kuai)发(fa)展(zhan)中(zhong)小(xiao)银(yin)行(xing),应(ying)重(zhong)视(shi)中(zhong)小(xiao)银(yin)行(xing)作(zuo)用(yong),采(cai)取(qu)措(cuo)施(shi)防(fang)范(fan)大(da)型(xing)银(yin)行(xing)在(zai)非(fei)市(shi)场(chang)化(hua)的(de)过(guo)度(du)下(xia)沉(chen)中(zhong)给(ji)中(zhong)小(xiao)银(yin)行(xing)带(dai)来(lai)的(de)“挤(ji)出(chu)效(xiao)应(ying)”。 采(cai)写(xie):南(na)都(du)·湾(wan)财(cai)社(she)见(jian)习(xi)记(ji)者(zhe) 吴(wu)鸿(hong)森(sen)

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