金融世界2012年第9期 Financial world 9th 2012

 　在国内，有不少年富力强的“新一代”银行家，未来可能掌舵一家商业银行，他们各具特长，决定着银行业的未来，但经验欠缺，尚需磨砺。

 In the domestic,There are many in the prime of life"A new generation of"bankers,The future may steer a commercial bank,Their respective expertise,Determines the future of the banking industry,But lack of experience,Suffering is needed to.

　　今年5月，胡润研究院发布了一个特殊的榜单——《少壮派富豪榜》，这个榜单不同以往，只对40岁以下的年轻富豪进行排行，上榜门槛为10亿元。榜单显示，过去1年，内地共有33位“少壮派”富豪上榜。

In may this year,Hu run institute issued a special list --[Young Turk's billionaires],This list different from the past,Only for 40 years old of the following young rich for ranking,List the threshold for 1 billion yuan.List shows,In the past one year,The mainland 33 a"Young turks"Rich list.

　　事实上，在金融领域，同样存在“少壮派”群体，尤其在商业银行中，“少壮派”又被称为“新一代”银行家。

In fact,In the financial field,There is also a"Young turks"group,Especially in the commercial bank,"Young turks"Is also known as"A new generation of"bankers.

　　去年，在中国人民大学一个金融高管培训项目的课堂上，一些年轻的银行高管曾对“新一代”银行家的概念进行讨论。

Last year,In China people's university a financial executive training programs in the classroom,Some young bank executives have to"A new generation of"The concept of bankers are discussed.

　　受访的多数金融专家和人力资源专家认为，作为新生代力量，“少壮派”银行家要满足一定条件：相对年轻、担任要职、业绩突出、更加专业和熟悉市场。

The surveyed most financial experts and human resources experts say,As a new generation power,"Young turks"Bankers to meet certain conditions:Relatively young/Occupies an important position/Performance outstanding/More professional and familiar with the market.

　　结合实际情况，本刊对年龄50岁以下，在各银行高级管理层任职的高管进行了统计。考虑到女性高管人数较少，将其年龄标准放宽至55岁。

Combined with the actual situation,This age 50 years old the following,In the bank senior management executives in the statistics.Considering the women with less number of executives,Will the age standard extended to 55 years old.

　　统计表明，在中国银行(601988,股吧)业主要金融机构175位高管中，共有59位“少壮派”银行家，占比33.7%，其中，5名为女性，在“少壮派”银行家中占比8.5%。

Statistics show that,In the bank of China(601988,guba)The owner to financial institutions in 175 executives,Were 59"Young turks"bankers,Accounted for more than 33.7%,the,Five women called,in"Young turks"Bank accounts for more than 8.5% of the home.

　　进一步统计发现，中国人民银行、国家开发银行、中国进出口银行，以及国有五大行79位高管中，符合条件的“少壮派”银行家共有22位，占所有“少壮派”银行家的1/3左右。

Further statistical found,The people's bank of China/The state development bank/China import and export bank,And the five line in 79 executives,Meet the conditions of the"Young turks"A total of 22 a banker,Accounted for all"Young turks"The banker's 1/3.

　　此外，在全国性股份制商业银行96位高管中，共有37位“少壮派”高管，占比38.5%。

In addition,In the national joint-stock commercial Banks in 96 executives,There are 37"Young turks"executives,Accounted for more than 38.5%.

　　除简历情况不详的8人外，其余51位“少壮派”银行家的学位均为本科以上，其中，学士11.8%，硕士54.9%，博士33.3%。

In addition to resume situation of unknown outside eight people,The rest 51 a"Young turks"The banker's degree are bachelor degree or above,the,Bachelor's 11.8%,Master's 54.9%,Dr. 33.3%.

　　53位任职经历可查的“少壮派”高管中，54.7%曾在各银行分支机构担任领导，其中，34.5%出任过北京分行或上海分行行长。

53 a office of experience can check"Young turks"Executives in,54.7% had in each bank branches for leading,the,34.5% as Beijing branch or Shanghai branch President.

　　80%以上的“少壮派”银行家曾在银行核心业务部门任职，如人力资源部、零售金融部、财务会计部等；22.6%有监管部门履职经历；7.5%曾在政府部门工作。

More than 80% of the"Young turks"Bankers have been at the bank's core business office,And if the human resources department/Retail banking/Financial and accounting department, etc;22.6% had supervision department resumption experience;7.5% had to work for the government.

　　有人说，在银行领域，没人敢自称或被别人称作“少壮派”银行家，甚至有银行业内人士直言，“银行哪里有‘少壮派’！”

Some say,In the banking sector,No one can claim to or being called"Young turks"bankers,There is even the bank the personage inside course of study to the truth,"The bank where there is‘Young turks’!"

　　实际上，“少壮派”银行家在各家银行普遍存在，并日渐崭露头角。

In fact,"Young turks"Bankers in Banks universal existence,And increasingly come to the fore.

　　一位资深银行家表示，在中国，尤其是国有大行，更多还是官员属性。银行系统管理团队年轻化是趋势，目前，各行的掌舵人大多年纪不轻，银行业金融机构“后继乏人”问题非常值得关注。

A senior bankers said,In China,Especially the state-owned big line,More or officials attribute.The banking system management team young is a trend,At present,All of the helmsman mostly age not light,Banking financial institutions"lack"Problem is very worthy of attention.

　　清华大学经济管理学院金融系副教授何平表示，中国真正意义上的专业银行家培养始于上世纪90年代。这批人到现在还不到40岁，是我国银行业重要的后备力量，但目前还太年轻，没有完全成长起来，需要更多锻炼。“现在基本上还是过去体制内成长起来的一批银行家掌舵。”

Tsinghua university economic management academy associate professor finance HePing said,China's real professional bankers culture began in the early 1990 s.This group of people is still less than 40 years old,Is our country banking important reserve forces,But there is still too young,Not fully grow up,Need more exercise."Now basically still past system grew up in a group of bankers at the helm."

　　对于银行核心后备力量，在某央行人士看来，主要来自工农中建交和政策性银行。尤其是这些机构核心部门的重要岗位，如董事会秘书，信贷、财会、人事、资金计划等部门负责人，还有一些重点区域的行长、副行长，都是后备人才的有力竞争者。

For a bank reserve force of the core,In a central bankers looks,Mainly from the workers and peasants of the establishment of diplomatic relations and policy Banks.Especially these institutions core department's important position,Such as the secretary of the board of directors,credit/accounting/personnel/Capital planning department manager,There are some key area of the President/Vice President,Is the reserve talented person powerful competitors.

　　广东金融学院代院长陆磊教授认为，“‘新一代’银行家首要的共性就是普遍接受过完整的精英教育，这同‘老一代’银行家有所不同。”

Guangdong finance academy, acting dean of the LiuLei professor thinks,"‘A new generation of’Bankers first commonness is generally accepted a complete elite education,With this‘The old’Bankers different."

　　陆磊进一步表示，他们大多有过海外留学和工作经历，得以将国外先进的现代金融理念带回中国。同时，对商业银行风险管理有着比前辈们更加深刻的理解。

LiuLei further said,Most of them had overseas study and working experience,Can foreign advanced modern financial idea back to China.At the same time,In the commercial bank risk management than elder people have more profound understanding.

　　何平也特别强调，“国际视野”是“新一代”银行家的必备条件。“‘老一辈’银行家对国内情况非常熟悉，但对国际金融市场的了解，可能更多是后期的理论学习，做不到‘从根上拥抱这些东西’。”

HePing also special emphasis on,"International vision"is"A new generation of"The necessary conditions of the banker."‘Older generation’Bankers on domestic situation is very familiar with,But for international financial knowledge of the market,May is more later theoretical study,Can't do‘From the root, hugs these things’."

　　何平进一步认为，很多“老一辈”从政府系统过来，最初是把经营一家银行作为政治任务看待，他们很少系统地接受过完整的金融教育，更多是边干边学。

HePing further think,A lot of"Older generation"Come from the government system,The first is run a bank as a political task view,They seldom system to accept a complete financial education,More is edge dry learning.

　　不管怎样，对处于转型发展中的国内银行业来说，“少壮派”银行家群体的存在至关重要，具有战略意义，不仅决定一家银行的活力，而且影响到整个银行业的未来。

No matter how,In the transformation of the development for the domestic banking sector,"Young turks"The existence of the banker group is very important,strategic,Not only determines the vitality of a bank,And affect the whole future of the banking industry.

　　一位资深银行家表示，现在是新老交接、持续转型的关键时期，需要一批具有国际视野、能力出众的人才管理银行体系，当然，这需要合理过渡。

A senior bankers said,It is new and old handover/Continuous transformation of the critical period,Need a batch with international vision/Ability outstanding talent management bank system,Of course,This requires reasonable transition.

　　陆磊进一步表示，这些“少壮派”银行家可能给国内银行业带来巨大变革：推进管理理念创新，开发多元化金融服务，构建从账户管理转向以客户为中心的服务体系。

LiuLei further said,these"Young turks"Bankers may give the domestic banking sector brings great changes:Advance management concept innovation,The development diversified financial services,Building from the account management to take the customer as the center service system.

　　“‘新一代’银行家除业务能力强，对金融产品、金融市场熟悉外，更多需要战略眼光，对国内金融体系和构架，以及中国金融业在世界格局中的定位，都要有全面的了解和深刻的思考。”一位金融学者表示，这些人将决定国内能否出现世界一流银行，也将左右整个银行业的发展格局。

"‘A new generation of’Bankers in addition to business ability,On the financial products/Familiar with the financial markets,More to strategic vision,On domestic financial system and frame,China's financial industry in the world and the structure of positioning,All want to have a comprehensive understanding and profound thinking."A financial scholars said,These people will determine whether the world first class bank in China,Will be about the development of the entire banking industry pattern.

　　此外，“少壮派”银行家的发展也面临不少挑战。

In addition,"Young turks"The banker's development faces many challenges.

　　有业内人士表示，目前，国内银行业市场化用人机制尚未完善，一些有能力的“新一代”银行家未必会等到“伯乐”出现，从而造成人才流失。

The personage inside course of study says,At present,The domestic banking marketization employing mechanism has not been perfected yet,Some have ability"A new generation of"Bankers is not necessarily will wait until"Talent scout"appear,Resulting in loss of talented people.

　　也有观点认为，同前辈相比，“少壮派”们缺少大起大落的宏观经济环境历练，没有经历信托整顿、海南发展银行关闭等重大风险事件的考验，能否在未来困境中处变不惊尚未可知。

Also with a view,Compared to the older generation with,"Young turks"The dramatic ups and downs of the macro economic environment experience,No experience trust reorganization/Hainan development bank closed and the important test of risk events,Whether in the future the soup the perfect setting is still not clear.

　　前述资深银行家表示，在外部环境应变方面，“老一辈”银行家的经验要丰富得多，“水退了才知道谁在裸泳。”

The senior bankers said,In the external environment strain aspects,"Older generation"The banker's experience so much more,"Water back didn't know who's been swimming naked."

　　“正面机遇可以推动银行家迅速成长，负面考验也不可缺少，但这些经验是可遇不可求的。”陆磊表示。

"Positive opportunities can push bankers rapid growth,Negative test is also essential,But these experiences is may meet cannot be asked."LiuLei said.

　　正如一位人民大学金融学教授所言，没有经历过几个经济周期，没有救活过几个企业，没有见证过几个公司死亡，就谈不上是银行家。

As a people's university professor of finance said,Have experienced several economic cycle,No life several enterprise,Not seen several companies death,There would be no is a banker.

　　目前，业内普遍认为，“少壮派”银行家还都比较低调，尚未步入舞台中心，谁能笑到最后，仍需拭目以待。

At present,The industry generally believe that,"Young turks"Bankers also are more low-key,Not into the center of the stage,Who can be the last laugh,It remains to be seen.

　　正如何平所说，经历市场经济浪潮的金融人才也更容易被利益驱使，未来要成功执掌一家银行，能力固然重要，但对社会的责任感和国家利益的认同感更为关键。

As HePing said,Experience the market economy tide of financial talents are also more likely to be driven by interests,To be successful in the future in a bank,Ability is important,But as a sense of social responsibility and the interests of the state's sense of self-identity more key.

　　“少壮派”银行家决定着中国银行业的未来。愈是了解他们职业成长的足迹，或许更能增强人们对中国银行业未来发展的信心。

"Young turks"Bankers determines the future of China's banking industry.The more is to understand their professional growth of footprint,Perhaps more can enhance people to the future development of Chinese banking confidence.

　　潘功胜：大行IPO重任磨砺

PanGong wins:Big line IPO refined burden

　　由于雄厚的资源禀赋优势，工农中建交五大行被业内看作是培养“少壮派”银行家的摇篮。然而，要从人才济济的国有银行脱颖而出并不容易。

Because of the abundant resources endowment advantage,The workers and peasants of diplomatic relations between the five line be the industry as a culture"Young turks"The banker's cradle.however,A galaxy of talents from state-owned Banks stand out is not easy.

　　细数提升最快“少壮派”银行家，非新任央行副行长潘功胜莫属。49岁，在同一级别高管中相对年轻；具备国际视野；先后参与工行和农行重组上市，且承担实务性领导工作，在“少壮派”银行家中，潘功胜是第一人。

Count the fastest ascension"Young turks"bankers,The new deputy central bank governor PanGong belong to overcome.49 years old,In the same level of relatively young executives;With the international field of vision;Have participate in icbc and agriculture bank restructuring listed,And assume leadership focusing on work,in"Young turks"Bank home,PanGong wins is the first person.

　　6月8日晚，农业银行(601288,股吧)发布公告称，根据国家金融工作需要，潘功胜已请辞农行执行董事、副行长及董事会战略规划委员会委员职务。随后不久，人民银行网站信息栏显示，潘功胜已出任人民银行副行长。

June 8 late,Agricultural bank(601288,guba)Releases announcement to say to,According to the national financial work need,PanGong - already resignation agriculture bank executive director/Vice President of the board of directors and strategic planning committee duties.Soon afterwards,People's bank website information bar displays,PanGong - already as people's bank vice President.

　　“此次调动是从厅局级干部到副部级的跨越，这个台阶并不好迈。”一位银行业内人士评价道。

"From the transfer rumour is related to the deputy ministry class across,This step is not good Wallace."A bank the personage inside course of study evaluation way.

　　在业内人士看来，正是工商银行(601398,股吧)和农业银行的成功上市，将49岁的潘功胜的职业生涯推向了又一个高峰。此外，扎实的学术功底和谦逊的态度也使这个长着一张娃娃脸的“少壮派”银行家越发引人关注。

In the personage inside course of study looks,Commercial bank is(601398,guba)And the success of the agricultural bank listed,Will PanGong 49 games career to another peak.In addition,Solid academic foundation of basic skills and the humble attitude also make this long with a baby-face's"Young turks"Bankers all the more remarkable.

　　潘功胜曾就读于中国人民大学劳动人事学院，并获得人力资源硕士学位，1993年，又拿到人大经济学博士学位，主要研究方向为劳动力市场。随后，潘功胜进入工商银行，出任住房信贷部副处长。

PanGong - had been studying in China people's university college of labor and personnel,And get a master's degree in human resources,In 1993,,And to the National People's Congress economics doctorate,The main research direction for the Labour market.then,PanGong - into the commercial bank,As deputy director of housing credit.

　　在进入银行系统前就已是高学历，专业涉及财务管理、人力资源、经济学，复合教育背景为潘功胜的职位晋升奠定了基础。

In the banking system is highly educated before,Professional involved in financial management/Human resources/economics,Composite education background for PanGong - position promotion laid the foundation.

　　在工行期间，作为重点培养的中层管理人员，潘功胜以博士后研究人员身份被派往英国剑桥大学Judge商学院学习，并在渣打银行工作1年。

During the icbc,As a key training middle management personnel,PanGong wins with postdoctoral researchers identity was sent to the university of Cambridge, UK, Judge business school learning,And in the standard chartered bank work 1 year.

　　这段经历培养了潘功胜的国际视野，并对国际一流银行的商业运作有了深刻理解。

This experience has trained PanGong wins in the international field of vision,And the international first-class bank's business operations have the profound understanding.

　　回国后，潘功胜在工行一路晋升，先后出任多个重要部门领导，担任计财处处长半年后，调任人力资源部副总经理。在此期间，潘功胜参与困难重重的工行人事整合，提高运作效率，为工行改制创造了条件。

After returning home,PanGong wins in Labour travel all the way promotion,Successively as more important department leaders,As a meter wealth marshal after six months,Transfer of vise general manager of human resources.During this period,PanGong - participate in troubled icbc personnel integration,Improve operational efficiency,Icbc restructuring to create conditions.

　　此后，潘功胜被派任深圳分行副行长，积累地方分支机构管理经验，随后又被任命为总行计财部总经理兼股份制改革办公室主任，推动财务体系再造，并负责工行IPO工作。

Since then,PanGong - be PaRen shenzhen branch deputy President,Accumulation of local branch management experience,Then was appointed head office meter wealth department general manager and shareholding system reform office director,Promote the financial system,And is responsible for the icbc IPO.

　　2005年，潘功胜曾接受《银行家》杂志专访，指出国有银行在旧体制下累积的系统风险、成本管理、绩效考核等问题。同时，提出按照国际先进银行经验推行财务集中、资产减值拨备，以及资本金管理。

In 2005,,PanGong - have received[bankers]Magazine interview,Points out that the state-owned Banks in the old system accumulated system risk/Cost management/Performance evaluation problems.At the same time,Put forward in accordance with international advanced bank experience implementation of financial centralized/Asset impairment provision,And capital management.

　　当时，有业内人士评价说，工行IPO是一项规模庞大、结构复杂的系统工程。潘功胜在方案设计、财务重组、公司治理、审计评估，以及引入战投等关键步骤发挥了重要作用。

At that time,The personage inside course of study evaluation said,Icbc IPO is a large scale/Structure complicated system engineering.PanGong wins in design/Financial restructuring/Corporate governance/Audit evaluation,And the key steps for war has played an important role.

　　2008年，潘功胜调任农行副行长。

In 2008,,PanGong - transfer agriculture bank vice President.

　　业内当时曾流传一个故事：最初农行找到潘功胜，希望挖他过去负责农行IPO，最开始想让其出任农行董事长助理，经过协商后，潘功胜才出任农行副行长。

The industry was once a popular story:Initial agriculture bank find PanGong wins,Hope to dig his past agriculture bank is responsible for the IPO,The most began to want to let him as agriculture bank chairman assistant,Through negotiations,PanGong - just as agriculture bank deputy governor.

　　一位银行家表示，潘功胜是农业银行IPO的关键人物，他在政府管理层、投资者、投资银行，以及监管机构间不断协调，同各类金融专业人士互动顺畅。

One banker says,PanGong wins is the agricultural bank of IPO key figure,He in the government management/investors/Investment bank,And regulators constantly coordination between,With all kinds of financial professionals smooth interaction.

　　农行IPO成功后，有媒体评价潘功胜是实施战略的操盘手。

Agriculture bank after the success of the IPO,Media evaluation PanGong wins is the implementation strategy datakeeping.

　　曾任职高盛集团的胡祖六认为，潘功胜代表了一个新的群体，“他在体制内成长，了解市场，有前瞻性和全球眼光。”

Goldman sachs has a HuZuLiu think,PanGong - represents a new group,"He is within the system growth,Understand the market,A prospective and global vision."

　　依照以往央行高层空降国有大行掌门人的惯例，49岁的潘功胜被寄予厚望。甚至有熟悉潘功胜的人表示：其在将来执掌一家大行几乎是可以预测的了。

The central bank in accordance with the previous top airborne state-owned large palm lines of practice,49 PanGong wins is expected.There is even familiar with PanGong - said:In the future in a big line is almost can predict the.