What Does a Commercial Banker Do?

Faced with the fiercely competitive financial market after joining the WTO, the confidence of state-owned commercial banks to solve the dilemma, and the impact of global economic and financial integration, Chinese state-owned commercial banks urgently need a large number of modern and outstanding bankers to dominate the state-owned commercial banks Destiny, win the initiative in market competition. At present, there are no professional bankers in China, and they cannot adapt to the requirements of the times. Therefore, deepening the reform of the personnel system of state-owned commercial banks and accelerating the construction of a professional banker team are urgent and urgent.

Professional banker

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Facing the fiercely competitive financial market after joining the WTO, facing the decisive battle of state-owned commercial banks to solve the dilemma, facing the global economy

The professionalization of bankers is the marketization of banker occupations. It has three meanings: firstly, for the society, professionalization is a manifestation of social division of labor; secondly, for bankers, the management and management of the bank is pursued as a lifelong career; thirdly, the professionalization and identification of professional bankers Legalization. The benefits of implementing the professionalization of bank operation managers are: it can ensure that the operation managers have systematic and comprehensive knowledge and professional skills to meet the needs of modern banking operations and market competition; they can objectively evaluate the performance and human capital of the operation managers on society Provide principles and standards; be able to construct effective incentive and restraint mechanisms and market selection mechanisms to maximize the incentives for business managers to continuously pursue innovation in business management and make every effort for the development of banks.

To speed up the construction of professional bankers, the fundamental problem is to accelerate the reform of the personnel management system.

Judging from the current state-owned enterprises in China, the entrepreneur market has not yet been formed. Basically, the production factor of entrepreneurs has not entered the market, and the market supply and demand mechanism has not yet been established. State-owned commercial banks, as special state-owned enterprises, are non-professional bankers. From the perspective of the banker's resource supply mechanism, the country as the main body of supply is in a special position, which not only controls the supply of senior bank management personnel, but also determines the demand for bankers by state-owned commercial banks; The role, in turn, plays the role of the demander. This situation is determined by the traditional bank cadre management system. Currently all senior bank management personnel are appointed step by step. From the perspective of senior bank managers, they should be the masters and choose a bank for the market, but in fact, senior bank managers have lost the dominant position in the market and must implement administrative management. This mechanism determines that senior bank managers are not The needs of markets and banks shape themselves, but regulate themselves according to the needs of their superiors. From the perspective of state-owned commercial banks, which are the main demanders of bankers, although banks are the main demanders, they have no right to choose the bankers they need in the market. They can only accept the assignment of superior banks. In fact, the bank's demand for bankers is essentially the demand of bankers for investors. However, due to the absence of the main body of the bank's property rights, the bank basically does not have a demand for bankers in the true sense.

From the above situation of state-owned commercial banks, it can be seen that the current supply and demand mechanism of bank senior management is actually based on the government as the sole subject and is the internal operating mechanism of the same subject. In essence, it excludes the market mechanism. It takes the will of the government as the transfer and regards bankers as the property of the government. It has rejected the bank as an independent market subject. Under this mechanism, it is impossible to create professional bankers, and it is impossible to form a banker market. From the perspective of non-state-owned commercial banks, with the gradual expansion of the number of joint-stock banks and foreign-funded banks, it is objectively possible for the emergence of professional bankers. In particular, foreign banks must implement localized operations and need to hire excellent senior bank management talents. The role of the hired person can be reflected and rewarded from the bank's operating performance, which will cause state-owned commercial banks to face serious middle and senior management talent capital. Churn.

Therefore, the government must first change its functions, separate government and enterprise, accelerate the reform of the state-owned commercial bank's corporate system, maintain the independence and autonomy of the state-owned bank, and make the bank truly an independent legal entity to establish the central position of bankers in the bank; Second, we need to reform the existing bank personnel management system, truly abolish the administrative levels of state-owned banks and senior bank management personnel, and do not adopt administrative appointments for senior bank management personnel after the restructuring. Re-employment; once again, protect the achievements of bankers and pass legislation to protect the legitimate interests and rights of bankers.