阜新银行跨区经营战略案例分析

发布时间：2017-12-30 18:48

本文关键词：阜新银行跨区经营战略案例分析　出处：《辽宁工程技术大学》2013年硕士论文　论文类型：学位论文

【摘要】：本文结合工作实践、专题调研和经济学相关理论,对阜新银行发展情况及跨区经营战略案例进行了全面的描述和深入分析。提出了四个价值点：一是银行业是一个规模经济效应非常突出的行业；二是城商行跨区经营带来规模经济的同时,也伴随着规模不经济；三是银行规模扩张存在着最优规模边界；四是城商行跨区发展后,增加了新的风险。针对价值点进一步分析了银行形成规模经济的原因和银行规模不经济的因素及规模经济边界,并且分析了城商行存在的风险。在此基础上得出阜新银行还未达到最佳规模经济,还要继续做大做强。根据阜新银行实际给出如下建议：做特色银行,做中小企业伙伴银行,做好风险管控,完善激励机制,降低经营成本,科学规划分支机构。
[Abstract]:Based on practice, theory research and economics, the Bank of Fuxin and the development of cross regional business strategy case conducted a comprehensive description and analysis. Put forward four points: one is the value of the banking industry is a very prominent effect of economy of scale in the industry; two is the city commercial banks cross regional operation to bring the scale economy at the same time also, with the scale of economy; the three is the bank scale expansion exists the optimal scale is four; city commercial banks cross regional development, increase the new risk. Value point in further analysis of the formation of scale economy and bank cause diseconomies of scale factors and bank scale economy boundary, and analyzes the existing risk of city commercial banks. Based on the analysis of the Bank of Fuxin has not yet reached the best scale economy, continue to become bigger and stronger. According to the Bank of Fuxin gives the following suggestions: the actual characteristics of silver As a partner bank of small and medium-sized enterprises, we should do a good job of management and control of risk, improve the incentive mechanism, reduce the cost of operation, and scientifically plan the branch.

【学位授予单位】：辽宁工程技术大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

【参考文献】