陈国汪：十五五期间银行业要避免“三个盲目”

Core Viewpoint - The banking industry in China is at a critical stage of deepening corporate governance reform and optimizing strategic layout, requiring careful response to structural adjustments to ensure stable development and prevent systemic risks [1] Group 1: Corporate Governance - The trend of abolishing supervisory boards in financial institutions must be approached with caution, as it does not eliminate supervisory functions but rather transfers them to specialized committees under the board [2] - If supervisory boards have played a substantive role in governance, particularly in checking the board and senior management, they should not be hastily abolished; however, if they are ineffective, alternative mechanisms must ensure independence and execution [2][4] - The independent director ratio in audit committees should significantly increase when taking over supervisory responsibilities, ideally to 50% or even 80%, to ensure sufficient independent judgment capability [3] Group 2: Village and Township Banks - Since their establishment in 2007, village and township banks have effectively served county economies and filled rural financial gaps, and should not be viewed as burdens to be disposed of amid rising non-performing loan rates [5] - For stable and well-regarded village banks, the original strategic positioning should be maintained, while high-risk institutions should adopt tailored strategies for reform rather than simple exits [5] - A strategic review is essential for the founding banks to assess the original purpose of establishing village banks and whether strategic goals have been met, ensuring rational decision-making [5] Group 3: Financial Strategies - The "Five Major Articles" proposed by the central government—technology finance, green finance, inclusive finance, pension finance, and digital finance—should not be uniformly pursued by all banks, especially smaller institutions with limited resources [6] - Smaller banks should focus on 1-3 key areas based on their comparative advantages rather than spreading resources too thinly across all five areas, which could lead to new risks [6][7] - The essence of the "Five Major Articles" is to guide financial resources to serve the real economy effectively, avoiding new homogenized competition [7] Conclusion - The banking reform in the new "14th Five-Year Plan" phase should not adopt a one-size-fits-all approach or follow trends blindly, but rather be based on in-depth analysis, capability matching, and strategic determination to achieve high-quality development [8]