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吴卫军:从技术上破产到经得起审计——四大国有商业银行股改成绩

来源: 南方日报网络版     时间: 2019年08月26日 02:28:13
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意彩招商平台直招龙虎代理客服QQ【3512770174】诚招代理【在线开户网址um996.com】龙虎和龙虎1赔2.211合1赔9.95,定位胆1赔9.95腾讯分分彩,5分,10分彩,最高返水100反9快,最高赔率,正规信誉大平台平台24h提供注册及登录。吴卫军:从技术上破产到经得起审计——四大国有商业银行股改成绩

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(当)(然)(,银)(行)(资)(产)(质)(量)(没)(有)(管)(好)(,放)(贷)(过)(程)(受)(到)(中)(央)(和)(地)(方)(政)(府)(的)(干)(预)(也)(是)(不)(可)(否)(认)(的)(原)(因)(。中)(国)(的)(四)(大)(国)(有)(商)(业)(银)(行)(“脱)(胎)(”于)(政)(府)(的)(现)(金)(出)(纳)(功)(能)(,它)(们)(的)(分)(行)(体)(系)(是)(根)(据)(国)(家)(行)(政)(区)(划)(设)(置)(的)(,采)(用)(由)(上)(至)(下)(与)(地)(方)(政)(府)(平)(行)(管)(理)(相)(结)(合)(的)(权)(力)(架)(构)(体)(系)(,即)(省)(、市)(、区)(分)(行)(分)(别)(归)(省)(、市)(、区)(政)(府)(管)(理)(,县)(支)(行)(由)(县)(政)(府)(管)(理)(,各)(银)(行)(行)(长)(由)(地)(方)(党)(委)(组)(织)(部)(征)(求)(总)(行)(意)(见)(后)(任)(命)(。长)(期)(以)(来)(,银)(行)(业)(务)(工)(作)(的)(重)(心)(需)(要)(根)(据)(中)(央)(政)(府)(制)(定)(的)(经)(济)(计)(划)(和)(发)(展)(需)(求)(进)(行)(调)(整)(,银)(行)(开)(展)(业)(务)(不)(是)(以)(客)(户)(服)(务)(为)(中)(心)(的)(。银)(行)(在)(制)(定)(战)(略)(过)(程)(中)(,没)(有)(依)(据)(严)(格)(的)(调)(研)(工)(作)(或)(者)(针)(对)(不)(同)(的)(客)(户)(群)(体)(进)(行)(规)(划)(,也)(可)(以)(说)(银)(行)(根)(本)(没)(有)(自)(己)(的)(发)(展)(战)(略)(。
国)(有)(商)(业)(银)(行)(的)(省)(级)(分)(行)(被)(赋)(予)(或)(争)(取)(到)(了)(相)(对)(自)(主)(的)(决)(策)(权)(,但)(在)(经)(营)(上)(又)(受)(到)(省)(级)(地)(方)(政)(府)(的)(干)(预)(。总)(行)(通)(过)(省)(级)(分)(行)(控)(制)(其)(下)(属)(支)(行)(的)(链)(条)(过)(长)(,导)(致)(总)(行)(政)(策)(及)(制)(度)(在)(分)(支)(行)(执)(行)(不)(力)(、效)(率)(不)(高)(。1997年)(11月)(,在)(时)(任)(国)(务)(院)(总)(理)(朱)(f)(基)(的)(推)(动)(下)(,中)(国)(召)(开)(了)(改)(革)(开)(放)(后)(的)(第)(一)(次)(中)(央)(金)(融)(工)(作)(会)(议)(,会)(议)(确)(定)(的)(重)(要)(改)(革)(措)(施)(之)(一)(就)(是)(成)(立)(中)(央)(金)(融)(工)(委)(,建)(立)(银)(行)(体)(系)(的)(系)(统)(党)(委)(,将)(银)(行)(系)(统)(的)(干)(部)(和)(人)(事)(管)(理)(权)(限)(收)(归)(中)(央)(,分)(行)(的)(干)(部)(由)(总)(行)(任)(免)(,改)(变)(了)(过)(去)(分)(行)(分)(别)(由)(省)(、市)(、区)(党)(委)(管)(理)(的)(做)(法)(。这)(在)(一)(定)(程)(度)(上)(减)(少)(了)(地)(方)(政)(府)(对)(金)(融)(管)(理)(的)(干)(预)(。中)(央)(金)(融)(工)(委)(直)(到)(2003年)(成)(立)(银)(监)(会)(后)(才)(被)(撤)(销)(。
这)(是)(中)(国)(银)(行)(业)(改)(革)(的)(大)(背)(景)(。
当)(时)(《巴)(塞)(尔)(协)(议)(》规)(定)(的)(银)(行)(最)(低)(资)(本)(充)(足)(率)(水)(平)(是)(8%。根)(据)(当)(时)(公)(布)(的)(数)(据)(,四)(大)(国)(有)(商)(业)(银)(行)(的)(资)(本)(充)(足)(率)(在)(2000年)(左)(右)(刚)(刚)(能)(达)(到)(8%的)(最)(低)(要)(求)(。根)(据)(四)(家)(银)(行)(对)(自)(身)(不)(良)(资)(产)(的)(评)(估)((未)(经)(外)(部)(机)(构)(复)(核)()和)(监)(管)(机)(构)(有)(经)(验)(人)(士)(的)(估)(计)(,20世)(纪)(90年)(代)(末)(,不)(良)(资)(产)(至)(少)(占)(银)(行)(总)(资)(产)(的)(20%。银)(行)(必)(须)(对)(资)(产)(提)(取)(20%作)(为)(不)(良)(资)(产)(的)(减)(值)(准)(备)(,以)(消)(化)(不)(良)(资)(产)(。
由)(于)(是)(国)(有)(企)(业)(,当)(时)(银)(行)(全)(部)(利)(润)(要)(上)(缴)(中)(央)(财)(政)(。这)(样)(,银)(行)(的)(所)(有)(者)(权)(益)(科)(目)(几)(乎)(没)(有)(任)(何)(余)(额)(,没)(有)(自)(身)(的)(资)(本)(积)(累)(。对)(四)(大)(国)(有)(商)(业)(银)(行)(进)(行)(改)(革)(必)(须)(要)(承)(担)(的)(损)(失)(至)(少)(是)(其)(全)(部)(风)(险)(资)(产)(的)(20%。如)(果)(按)(照)(简)(单)(的)(清)(盘)(算)(法)(,这)(些)(银)(行)(资)(产)(负)(债)(状)(况)(是)(80元)(的)(资)(产)(对)(92元)(的)(负)(债)(。因)(此)(,这)(些)(银)(行)(被)(许)(多)(专)(家)(学)(者)(认)(定)(为)(“在)(技)(术)(层)(面)(上)(是)(破)(产)(的)(”,仅)(靠)(隐)(含)(的)(国)(家)(财)(政)(支)(持)(维)(持)(生)(计)(。回)(过)(头)(来)(看)(,笔)(者)(认)(为)(支)(持)(四)(大)(国)(有)(商)(业)(银)(行)(“技)(术)(上)(破)(产)(”的)(结)(论)(有)(两)(个)(比)(较)(重)(要)(的)(依)(据)(。
一)(是)(刘)(明)(康)(在)(2009年)(指)(出)(,截)(至)(2002年)(底)(,四)(大)(国)(有)(商)(业)(银)(行)(向)(监)(管)(部)(门)(测)(算)(报)(告)(的)(不)(良)(贷)(款)(总)(额)(高)(达)(1.7万)(亿)(元)(,不)(良)(贷)(款)(率)(为)(21.4%;依)(据)(监)(管)(机)(构)(跟)(进)(检)(查)(测)(算)(,四)(大)(国)(有)(商)(业)(银)(行)(的)(实)(际)(贷)(款)(损)(失)(约)(1.4万)(亿)(元)(,占)(全)(部)(贷)(款)(的)(16.3%,加)(上)(非)(信)(贷)(资)(产)(损)(失)(约)(0.8万)(亿)(元)(,资)(产)(损)(失)(总)(额)(达)(到)(2.2万)(亿)(元)(;平)(均)(资)(本)(充)(足)(率)(为)(4.4%,如)(按)(照)(审)(慎)(监)(管)(标)(准)(,平)(均)(资)(本)(充)(足)(率)(实)(际)(为)(负)(数)(。二)(是)(中)(国)(工)(商)(银)(行)(、中)(国)(建)(设)(银)(行)(和)(中)(国)(农)(业)(银)(行)(在)(上)(市)(招)(股)(说)(明)(书)(中)(披)(露)(的)(上)(市)(会)(计)(报)(表)(的)(基)(础)(年)(均)(为)(资)(不)(抵)(债)(。其)(中)(,中)(国)(工)(商)(银)(行)(上)(市)(会)(计)(报)(表)(基)(准)(年)(2003年)(12月)(31日)(的)(所)(有)(者)(权)(益)(为)(-5371亿)(元)(;2004年)(12月)(31日)(,其)(所)(有)(者)(权)(益)(为)(-5082亿)(元)(。同)(样)(,中)(国)(建)(设)(银)(行)(上)(市)(会)(计)(报)(表)(基)(准)(年)(2002年)(12月)(31日)(年)(所)(有)(者)(权)(益)(为)(-1332亿)(元)(;中)(国)(农)(业)(银)(行)(基)(准)(年)(2007年)(12月)(31日)(所)(有)(者)(权)(益)(为)(-7276亿)(元)(。四)(大)(国)(有)(商)(业)(银)(行)(中)(只)(有)(中)(国)(银)(行)(上)(市)(会)(计)(报)(表)(基)(准)(年)(2003年)(12月)(31日)(的)(所)(有)(者)(权)(益)(为)(正)(,其)(原)(因)(主)(要)(是)(中)(国)(银)(行)(出)(于)(其)(国)(际)(经)(营)(的)(战)(略)(考)(虑)(,为)(了)(避)(免)(国)(际)(监)(管)(机)(构)(就)(资)(本)(充)(足)(率)(问)(题)(不)(必)(要)(的)(问)(询)(及)(其)(带)(来)(的)(国)(际)(负)(面)(影)(响)(可)(能)(会)(给)(国)(有)(商)(业)(银)(行)(改)(革)(造)(成)(的)(阻)(碍)(,刻)(意)(选)(择)(了)(国)(家)(注)(资)(后)(的)(2003年)(12月)(31日)(为)(其)(上)(市)(财)(务)(报)(告)(披)(露)(的)(基)(准)(年)(。为)(此)(,中)(国)(银)(行)(相)(比)(于)(建)(设)(银)(行)(推)(迟)(一)(年)(在)(香)(港)(上)(市)(。
虽)(然)(有)(的)(观)(点)(对)(“技)(术)(上)(破)(产)(”这)(一)(论)(点)(不)(认)(同)(,在)(感)(情)(上)(不)(接)(受)(,但)(从)(以)(上)(论)(证)(看)(来)(,四)(大)(国)(有)(商)(业)(银)(行)(在)(20世)(纪)(90年)(代)(末)(确)(实)(处)(于)(“技)(术)(上)(破)(产)(”的)(状)(态)(。
排)(除)(万)(难)(艰)(苦)(卓)(绝)(的)(改)(革)(
为)(了)(协)(助)(中)(国)(银)(行)(业)(应)(对)(改)(革)(道)(路)(上)(的)(各)(种)(挑)(战)(,2002年)(年)(底)(国)(家)(金)(融)(改)(革)(领)(导)(机)(构)(为)(中)(国)(四)(大)(国)(有)(商)(业)(银)(行)(在)(三)(大)(关)(键)(领)(域)(的)(改)(革)(设)(计)(了)(“改)(革)(路)(线)(图)(”,为)(中)(国)(的)(银)(行)(改)(革)(工)(作)(提)(供)(基)(准)(参)(考)(。
营)(运)(重)(组)(
四)(大)(国)(有)(商)(业)(银)(行)(成)(立)(之)(初)(还)(肩)(负)(着)(政)(府)(现)(金)(出)(纳)(的)(职)(能)(,因)(而)(其)(组)(织)(机)(构)(是)(根)(据)(国)(家)(行)(政)(区)(划)(设)(置)(的)(,权)(力)(架)(构)(上)(也)(是)(采)(用)(由)(上)(及)(下)(设)(立)(分)(行)(管)(理)(的)(模)(式)(。在)(这)(种)(情)(况)(下)(,四)(大)(国)(有)(商)(业)(银)(行)(的)(省)(级)(分)(行)(被)(赋)(予)(了)(高)(度)(的)(自)(主)(决)(策)(权)(力)(。在)(通)(过)(省)(级)(分)(行)(从)(总)(行)(到)(面)(对)(客)(户)(的)(分)(支)(行)(这)(种)(垂)(直)(运)(转)(模)(式)(下)(,由)(于)(省)(级)(分)(行)(的)(高)(度)(自)(主)(权)(,银)(行)(的)(控)(制)(链)(条)(会)(断)(裂)(,省)(级)(分)(行)(可)(能)(会)(切)(割)(总)(行)(对)(分)(行)(的)(控)(制)(,总)(行)(制)(定)(的)(统)(一)(的)(政)(策)(在)(分)(支)(机)(构)(推)(行)(的)(力)(度)(参)(差)(不)(齐)(,在)(分)(行)(的)(业)(务)(单)(位)(难)(以)(扎)(根)(,许)(多)(重)(大)(舞)(弊)(案)(件)(都)(在)(地)(方)(分)(行)(发)(生)(。
对)(组)(织)(结)(构)(进)(行)(改)(造)(使)(各)(分)(支)(行)(同)(银)(行)(的)(战)(略)(和)(经)(营)(管)(理)(目)(标)(配)(套)(一)(致)(,这)(是)(国)(有)(商)(业)(银)(行)(管)(理)(层)(面)(对)(的)(一)(项)(最)(重)(要)(的)(改)(革)(。除)(此)(之)(外)(,企)(业)(组)(织)(结)(构)(改)(造)(还)(必)(须)(考)(虑)(建)(立)(内)(部)(审)(计)(和)(风)(险)(管)(理)(等)(独)(立)(的)(监)(督)(约)(束)(职)(能)(,以)(及)(独)(立)(地)(向)(董)(事)(会)(进)(行)(常)(规)(报)(告)(的)(工)(作)(机)(制)(。同)(时)(,应)(引)(入)(独)(立)(董)(事)(和)(聘)(用)(独)(立)(的)(审)(计)(师)(,通)(过)(建)(立)(和)(健)(全)(监)(督)(约)(束)(职)(能)(,提)(升)(银)(行)(的)(公)(司)(治)(理)(能)(力)(。总)(结)(而)(言)(,营)(运)(重)(组)(主)(要)(从)(以)(下)(五)(个)(方)(面)(展)(开)(。
第)(一)(,积)(极)(推)(进)(组)(织)(架)(构)(改)(革)(。设)(置)(“三)(会)(一)(层)(”的)(核)(心)(架)(构)(,规)(定)(了)(其)(各)(自)(的)(职)(责)(,初)(步)(建)(立)(了)(现)(代)(化)(的)(企)(业)(制)(度)(。第)(二)(,进)(行)(业)(务)(流)(程)(的)(改)(造)(。股)(份)(制)(改)(革)(过)(程)(中)(,我)(国)(借)(鉴)(国)(际)(上)(以)(客)(户)(为)(中)(心)(制)(定)(组)(织)(架)(构)(的)(先)(进)(经)(验)(,把)(内)(部)(职)(责)(和)(功)(能)(按)(照)(前)(中)(后)(台)(进)(行)(分)(离)(,形)(成)(了)(银)(行)(内)(层)(次)(分)(明)(、紧)(密)(联)(系)(又)(相)(互)(制)(约)(的)(业)(务)(流)(程)(体)(系)(。第)(三)(,建)(立)(完)(善)(的)(风)(险)(管)(理)(体)(系)(。在)(董)(事)(会)(层)(面)(设)(立)(风)(险)(管)(理)(委)(员)(会)(,在)(管)(理)(层)(层)(面)(设)(立)(风)(险)(管)(理)(部)(,明)(确)(从)(首)(席)(风)(险)(官)(到)(各)(级)(风)(险)(主)(管)(、经)(理)(的)(职)(责)(,改)(善)(信)(贷)(流)(程)(,提)(高)(风)(险)(管)(理)(的)(科)(技)(水)(平)(。第)(四)(,进)(行)(人)(员)(考)(核)(评)(价)(和)(激)(励)(约)(束)(机)(制)(改)(革)(。引)(进)(专)(业)(的)(招)(聘)(和)(测)(评)(考)(核)(制)(度)(,完)(善)(招)(聘)(和)(选)(拔)(流)(程)(;制)(定)(奖)(惩)(分)(明)(的)(薪)(酬)(和)(绩)(效)(制)(度)(,实)(行)(按)(岗)(付)(薪)(和)(按)(绩)(付)(薪)(,同)(时)(考)(虑)(分)(配)(公)(平)(;针)(对)(员)(工)(设)(计)(和)(提)(供)(长)(期)(的)(专)(业)(培)(训)(。第)(五)(,提)(升)(信)(息)(技)(术)(支)(持)(能)(力)(。加)(大)(信)(息)(技)(术)(的)(开)(发)(投)(入)(,加)(快)(信)(贷)(业)(务)(、资)(金)(业)(务)(、资)(产)(管)(理)(等)(业)(务)(的)(数)(据)(集)(中)(,还)(完)(成)(了)(信)(息)(基)(础)(设)(施)(的)(整)(合)(、灾)(备)(系)(统)(的)(建)(设)(规)(划)(等)(任)(务)(。
财)(务)(重)(整)(
国)(有)(商)(业)(银)(行)(在)(财)(务)(重)(组)(过)(程)(中)(,首)(先)(要)(对)(财)(务)(状)(况)(进)(行)(严)(格)(的)(尽)(职)(调)(查)(和)(审)(计)(,摸)(清)(家)(底)(,处)(理)(历)(史)(遗)(留)(问)(题)(,然)(后)(才)(能)(考)(虑)(进)(行)(注)(资)(重)(组)(,实)(现)(银)(行)(的)(初)(步)(资)(本)(化)(。在)(这)(一)(过)(程)(中)(,银)(行)(要)(解)(决)(历)(史)(上)(遗)(留)(的)(诸)(多)(悬)(而)(未)(决)(或)(不)(规)(范)(的)(资)(金)(关)(系)(及)(会)(计)(问)(题)(,使)(其)(财)(务)(报)(表)(夯)(实)(、真)(实)(,经)(得)(起)(外)(部)(投)(资)(者)(的)(检)(验)(。
在)(2001年)(年)(末)(,财)(政)(部)(制)(定)(并)(颁)(发)(了)(新)(的)(《金)(融)(企)(业)(会)(计)(制)(度)(》,该)(制)(度)(吸)(收)(了)(国)(际)(财)(务)(报)(告)(准)(则)(计)(提)(资)(产)(减)(值)(准)(备)(、公)(允)(价)(值)(会)(计)(处)(理)(及)(规)(范)(表)(外)(业)(务)(核)(算)(等)(概)(念)(。有)(鉴)(于)(四)(大)(国)(有)(商)(业)(银)(行)(沉)(重)(的)(历)(史)(财)(务)(包)(袱)(,财)(政)(部)(给)(予)(这)(些)(银)(行)(四)(年)(的)(过)(渡)(期)(,即)(在)(2005年)(12月)(31日)(以)(前)(全)(面)(执)(行)(新)(准)(则)(。透)(明)(和)(可)(靠)(的)(财)(务)(报)(告)(是)(公)(司)(治)(理)(的)(关)(键)(要)(素)(之)(一)(,通)(过)(它)(,可)(以)(逐)(步)(恢)(复)(社)(会)(各)(界)(对)(中)(国)(金)(融)(业)(的)(信)(心)(。
四)(大)(国)(有)(商)(业)(银)(行)(财)(务)(重)(组)(的)(每)(一)(个)(阶)(段)(都)(存)(在)(着)(大)(量)(具)(有)(挑)(战)(性)(的)(会)(计)(技)(术)(问)(题)(,这)(些)(问)(题)(的)(顺)(利)(解)(决)(缘)(自)(中)(国)(政)(府)(的)(强)(力)(支)(持)(、银)(行)(管)(理)(层)(推)(进)(改)(革)(的)(决)(心)(和)(注)(册)(会)(计)(师)(的)(专)(业)(奉)(献)(。改)(革)(过)(程)(中)(出)(现)(了)(诸)(多)(结)(合)(中)(国)(国)(情)(的)(创)(新)(方)(法)(。在)(农)(业)(银)(行)(和)(工)(商)(银)(行)(的)(改)(革)(中)(,财)(政)(部)(启)(用)(了)(“共)(管)(基)(金)(”的)(创)(新)(模)(式)(。以)(农)(行)(为)(例)(,农)(行)(的)(发)(起)(人)(为)(财)(政)(部)(和)(中)(央)(汇)(金)(公)(司)(,当)(时)(各)(出)(资)(1300亿)(元)(。汇)(金)(公)(司)(以)(等)(值)(美)(元)(现)(金)(出)(资)(,财)(政)(部)(的)(1300亿)(元)(资)(本)(金)(并)(非)(现)(金)(出)(资)(,而)(是)(来)(自)(和)(农)(行)(共)(设)(的)(“共)(管)(基)(金)(”。“共)(管)(基)(金)(”的)(资)(金)(来)(源)(包)(括)(农)(行)(在)(“共)(管)(基)(金)(”存)(续)(期)(间)(内)(缴)(纳)(的)(企)(业)(所)(得)(税)(、农)(行)(向)(财)(政)(部)(派)(发)(的)(现)(金)(股)(利)(、财)(政)(部)(委)(托)(农)(行)(处)(置)(不)(良)(资)(产)(回)(收)(的)(净)(现)(金)(、财)(政)(部)(减)(持)(农)(行)(股)(份)(获)(得)(的)(收)(入)(、财)(政)(部)(等)(部)(门)(拨)(入)(的)(其)(他)(资)(金)(、“共)(管)(基)(金)(”产)(生)(的)(利)(息)(收)(入)(等)(。“共)(管)(基)(金)(”是)(一)(项)(会)(计)(创)(新)(,实)(质)(是)(国)(家)(利)(用)(其)(信)(誉)(和)(财)(政)(能)(力)(为)(银)(行)(改)(革)(争)(取)(时)(间)(。财)(政)(部)(没)(有)(动)(用)(现)(有)(的)(财)(政)(资)(源)(,没)(有)(涉)(及)(现)(金)(流)(,以)(在)(工)(行)(、农)(行)(的)(资)(产)(负)(债)(表)(上)(确)(认)(“应)(收)(财)(政)(部)(款)(项)(”,填)(补)(了)(不)(良)(资)(产)(造)(成)(的)(“资)(本)(窟)(窿)(”。这)(时)(,财)(政)(部)(扮)(演)(的)(是)(“股)(东)((投)(资)(者)()”和)(“国)(家)(财)(政)(”的)(双)(重)(角)(色)(。
经)(过)(十)(多)(年)(的)(努)(力)(,按)(账)(面)(现)(金)(量)(统)(计)((不)(包)(括)(银)(行)(用)(自)(身)(的)(经)(营)(利)(润)(消)(化)(的)(不)(良)(资)(产)(),国)(家)(为)(四)(大)(国)(有)(商)(业)(银)(行)(的)(改)(革)(所)(承)(担)(的)(成)(本)(累)(计)(达)(3.6万)(亿)(元)(,使)(得)(四)(大)(国)(有)(商)(业)(银)(行)(顺)(利)(解)(决)(了)(一)(系)(列)(历)(史)(遗)(留)(问)(题)(,成)(功)(引)(进)(战)(略)(投)(资)(者)(并)(上)(市)(,开)(始)(走)(入)(国)(际)(资)(本)(市)(场)(,进)(入)(企)(业)(发)(展)(的)(新)(阶)(段)(。
经)(得)(起)(审)(计)(世)(界)(一)(流)(的)(银)(行)(
到)(2017年)(底)(,历)(经)(营)(运)(重)(组)(和)(财)(务)(重)(整)(后)(上)(市)(的)(四)(大)(国)(有)(商)(业)(银)(行)(经)(过)(十)(多)(年)(的)(发)(展)(,已)(如)(凤)(凰)(涅)(i茫)(囡谧)(什)(婺)(!⒂狨鉸芰)(Α⒎缦)(湛)(刂)(频)(确)(矫)(娑)(加)(辛)(顺)(ぷ愕)(慕)(釫剑)(嗤⑽涣)(泄)( 释)(嚯星)(傲)(小)(Ⅻbr />资)(产)(规)(模)(上)(,四)(大)(国)(有)(商)(业)(银)(行)(的)(资)(产)(总)(额)(达)(到)(88.7万)(亿)(元)(,四)(家)(银)(行)(的)(总)(资)(产)(分)(别)(超)(过)(或)(接)(近)(20万)(亿)(元)(大)(关)(,总)(资)(产)(规)(模)(全)(部)(位)(于)(全)(球)(前)(十)(名)(。所)(有)(者)(权)(益)(由)(改)(革)(前)(的)(“技)(术)(上)(破)(产)(”发)(展)(到)(如)(今)(超)(过)(6.9万)(亿)(元)(的)(水)(平)(。股)(权)(结)(构)(上)(也)(由)(股)(份)(制)(改)(造)(前)(单)(一)(的)(政)(府)(持)(股)(改)(为)(如)(今)(的)(国)(有)(股)(东)(控)(股)(、社)(会)(投)(资)(者)(多)(元)(化)(持)(股)(。董)(事)(会)(架)(构)(符)(合)(上)(市)(公)(司)(要)(求)(,既)(充)(分)(保)(证)(了)(国)(家)(作)(为)(大)(股)(东)(的)(利)(益)(,也)(充)(分)(考)(虑)(了)(机)(构)(、个)(人)(、外)(国)(投)(资)(者)(的)(多)(元)(化)(利)(益)(。
盈)(利)(能)(力)(上)(,四)(大)(国)(有)(商)(业)(银)(行)(也)(取)(得)(了)(长)(足)(的)(进)(展)(,国)(家)(注)(资)(后)(四)(大)(国)(有)(商)(业)(银)(行)(创)(造)(的)(利)(润)(总)(额)(接)(近)(7.5万)(亿)(元)(,其)(中)(2017年)(四)(大)(国)(有)(商)(业)(银)(行)(合)(计)(净)(利)(润)(为)(9092亿)(元)(,这)(是)(在)(计)(提)(了)(4415亿)(元)(资)(产)(减)(值)(损)(失)(之)(后)(的)(利)(润)(规)(模)(。除)(此)(之)(外)(,到)(2017年)(12月)(31日)(,四)(大)(国)(有)(商)(业)(银)(行)(注)(资)(后)(累)(计)(向)(国)(家)(上)(缴)(所)(得)(税)(2万)(亿)(元)(,营)(业)(税)(1万)(亿)(元)(。
抗)(风)(险)(能)(力)(上)(,2017年)(12月)(31日)(四)(大)(国)(有)(商)(业)(银)(行)(股)(东)(权)(益)(达)(到)(6.9万)(亿)(元)(。2017年)(扣)(除)(资)(产)(减)(值)(损)(失)(4415亿)(元)(后)(实)(现)(净)(利)(润)(9092亿)(元)(,净)(利)(润)(能)(够)(覆)(盖)(2倍)(以)(上)(的)(不)(良)(资)(产)(减)(值)(损)(失)(,笔)(者)(相)(信)(,四)(大)(国)(有)(商)(业)(银)(行)(能)(够)(抵)(御)(不)(良)(资)(产)(带)(来)(的)(冲)(击)(,维)(持)(正)(常)(有)(序)(的)(经)(营)(。四)(大)(国)(有)(商)(业)(银)(行)(的)(资)(本)(金)(水)(平)(、不)(良)(贷)(款)(、拨)(备)(金)(水)(平)(和)(盈)(利)(能)(力)(,能)(够)(有)(效)(地)(缓)(冲)(减)(值)(带)(来)(的)(损)(失)(,这)(为)(银)(行)(的)(持)(续)(经)(营)(奠)(定)(了)(基)(础)(。较)(高)(的)(利)(润)(水)(平)(和)(拨)(备)(覆)(盖)(率)(都)(证)(明)(了)(银)(行)(自)(身)(的)(盈)(利)(能)(力)(和)(资)(产)(负)(债)(表)(的)(稳)(健)(性)(在)(股)(份)(制)(改)(革)(后)(得)(到)(了)(显)(著)(提)(升)(,成)(为)(真)(正)(经)(得)(起)(审)(计)(的)(银)(行)(。(完)()
文)(章)(来)(源)(:微)(信)(公)(众)(号)(“中)(国)(金)(融)(杂)(志)(”(本)(文)(仅)(代)(表)(作)(者)(观)(点)()
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