2. 职称英语
  3. 下面你将听到一段关于国有商业银行管理的介绍。／／ 目前，国有商业银行的规模过大，变得不可管理，也不具有市场竞争力。过去，这些银行仅仅注重规模和数

下面你将听到一段关于国有商业银行管理的介绍。／／ 目前，国有商业银行的规模过大，变得不可管理，也不具有市场竞争力。过去，这些银行仅仅注重规模和数

游客2025-01-28  18
问题     下面你将听到一段关于国有商业银行管理的介绍。／／
    目前，国有商业银行的规模过大，变得不可管理，也不具有市场竞争力。过去，这些银行仅仅注重规模和数量而忽视了效率和利润，因此导致庞大的结构和多重管理。／／规模过大会导致内部管理和经营成本的失控，尤其表现在内部控制、人力资源和金融管理三个领域。各种拖沓费时的繁琐手续妨碍了中国的银行制定充分完善的策略来应对市场和竞争的变化。／／此外的一点也很重要，即改革人力资源管理制度以使之对有效补偿和激励性组织结构更为适用。当前在人事任用、管理和激励性机制等方面普遍存在的现象是，银行的职员常常同时戴着两顶帽子，一顶标明他们是专业银行家，另一顶又标明他们是政府官员。／／这种现象暗中严重地破坏了以市场为主的改革，因为这样的改革要求银行能为自己的独立决策负责。／／
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答案     At present, the scale of state-owned commercial banks has gone beyond being manageable and market competitive. In the past, the fact that the banks only focused on scale and quantity instead of on efficiency and profits led to extended structures and multiple layers. The excessive expansion saw internal management and operating costs go out of control, especially in the areas of internal control, human resource and financial management. The excessive red tape prevented banks in China from adapting to market and competition changes with adequate strategies. In addition, it is also important to reform the human resource management system to be more open to using effective compensation and incentive structures. A prevailing phenomenon from the current personnel appointment, management and incentive mechanism is that bank employees are usually wearing two hats at the same time: a hat of being a professional banker and a hat of being a government official. This severely undermines the market-oriented reform that requires banks to be accountable for independent decision making.
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