我国商业银行经营模式转型的探讨

发布时间：2018-01-01 01:09

本文关键词：我国商业银行经营模式转型的探讨　出处：《吉林大学》2013年硕士论文　论文类型：学位论文

【摘要】：中国于2001年11月10日正式加入世贸组织。五年过后，很多外资银行在我国S蔚孟嗟鹊匚缓椭泄桃狄姓箍侵稹Ｍ庾式胧谐。谐』降奶嵘寄芄淮偈刮夜桃狄卸杂诰苤品矫娴牟蝗范ㄐ源幼萦牒嵯蚍矫娼徊皆銮俊Ｖ蠾商业银行需要应对强劲的挑战。我们可以发现一个标志性的案例就是，在此年的3月，爱立信南京企业把它的贷款从中国商业银行南京分行转存了才迈向中国市场花旗银行。我们把此项举动叫做“爱立信倒戈花旗”，它被认为是中P1进入WT0以后，金融市场发生的巨大地震。同年4月18日，中国民生银行首先开始了应对外资银行的反击。一下实行了买方付息贴现业务、民生网等4种新的业务活动。同R,北京麦当劳、南方航空公司以及很多中外大型企业便和民生银行签署了合同。可以这样认为，革新关系到中国商业银行能否获得新生。比较与世界上的发达国家银行，我们欠缺的+全是市场，也并非都是技术，我们俨然在很大程度上关注并且具备产品革新的核心竞争水平，我们如今欠缺的更多农现为对于银行的经营模式上。跟外资银行对比，，我国的银行管理人员的管理观念十分的守旧与落后，巨大并且不灵巧的组织布局，一定程度上阻碍了人的主动的发挥，种种的原因最终形成了我国商业银行又好又快运营的障碍。导致了我国银行在面对着外界环境的改变，无从快速的应对市场的竞争，不能够快速高效的应对市场的变化，以至于降低了商业银行的系统竞争水平，并且和实际概念上的现代银行存在着[」:大的距离。因此，我H的商业银行要在激烈的竞争中获得主动性和提高市场竞争力，那么经营管理模式的转变已成为发展的必然趋势。在全文的探讨中，采用的研究方式主要是： (1)多学科相联合的方法。本文在研究问题时，从经济学、管理学、银行经营管理学等多种学科借用含义以及理论，把商业银行的效率以及管理制度的革新结合在一起从而开展探究活动。 (2)系统分析法。本文在探索问题时，坚持把银行组织看作经济金融大体系里的一个子分支，着重指出当大系统产生变化，子系统要尽快的去应对这些改变。 (3)辩证分析法。本文采用的是辩证逻辑的方法以研究我国商业银行在经营模式转变过程中存在的问题及其原因。 (1)案例分析法。本文根据国外众多银行先进管理模式的个例探索，向我国的银行管理模式开展了思考，进一步指出具有借鉴性的影响。 (5)规范分析以及实证分析联合。此为探索经济问题通常懫用的办法之一。本文根据对我国商业银行现实情形的调查，合理地分析与论证了我H商业银行管理模式转变过程中面临的难题，从而寻求解决问题的方法。全文的主要逻辑是：界定所提出问题的概念、范围，提出问题，研究问题，论证问题。从内容上看可分为六章，第一章总论，主要说明选题背景及其现实意义，同时说明论文的核心概念和研究方法，并简要介绍论文内容及结构。第二章商业银行经营管理模式转变的概述。通过研究商业银行发展历程，结合商业银行这一独特行为主体，对商业银行经营管理模式概念加以阐述，对于商业银行经营管理制度转变的意义和进程^u展分析。第三章阐述我国商业银行在经营管理模式转变下的发展状况，从中归纳总结商业银行在模式转变过程中存在的问题，并分析其存在的深层原因。第四章，我国商处银行在经营管理模式转变中的新思考。根据发现的问题，尝试通过对国外同行业先进的经营管理案例中探索适合我国商业银行适应金融业发展大趋势的对策。第五章，对商业银行经营管理模式转型给出建议。第六章，指出本文论述的不足之处，并对我国商业银行经营管理模式转型进行展望。
[Abstract]:China officially joined WTO in November 10, 2001. After five years, many foreign banks in China S Wei Meng Jie Fang magpie slow elliptical relief? Peach di? M Yu Zhen surname hoop? Invasion? ". oboro harmonic harmonic??? Drop milk I send Huai Rong?? but scraping night? Peach di? Impurity discharge tomorrow?? was the product of Xian Mu locust Fan Yuan young entangles the dispatch showing. All the term" prostitution? Zhu Luang Jun V commercial banks face a strong challenge. We can find a landmark case is that, in March of that year, Ericsson Nanjing enterprises put its loans from commercial banks to deposit the Chinese Nanjing branch only to Chinese market Citibank. We put the move called "Ericsson sider Citi", it is believed that after the P1 into the WT0, the huge earthquake happened in financial markets. In April 18th of the same year, the first to deal with the foreign bank Minsheng Bank China. Counter the buyer interest discount business, the people's livelihood network Wait for 4 new business activities.
With R, Beijing McDonald's, Southern Airlines and many Chinese and foreign large enterprises and Minsheng Bank signed a contract. This can be considered in relation to the reform of commercial banks China can be reborn. Compared with the developed countries in the world bank, we lack + full is the market, nor are we concerned with technology, and has product innovation the core competitive level to a great extent, we now lack more agricultural now for the bank's business model.
Compared with foreign banks, the old China's banking management and management concept is very huge and not backward, the ambidextrous organization layout, to some extent hindered the people's initiative into full play, and eventually formed a sound and rapid operation of China's commercial banks. Obstacles of all sorts of reasons resulting in China's banks in the face of the outside world the change of the environment, can quickly respond to market competition, can not change quickly and efficiently respond to the market, so that the system reduces the level of competition of commercial banks, and banks and modern concept of the actual existence: "[the great distance. Therefore, I H of the commercial banks to the initiative and improve the market competitiveness in the in the fierce competition, then the change of management mode has become the inevitable trend of development.
In the full text of the study, the main research methods are as follows:
(1) a multi-disciplinary approach. In this paper, we use economics and management, banking management and other disciplines to borrow meanings and theories, and combine the efficiency of commercial banks and the reform of management system to carry out inquiry activities.
(2) system analysis. When we explore problems, we should regard bank organization as a sub branch of economic and financial system, and point out that when big system changes, subsystems must respond to these changes as soon as possible.
(3) dialectical analysis. This paper uses dialectical logic to study the problems and its reasons in the process of the transformation of commercial banks in China.
(1) case analysis. Based on a case study of advanced management models of many foreign banks, this paper has carried on the ponder to our country's bank management mode, and further pointed out that it has the reference influence.
(5) the normative analysis and empirical analysis of this joint. In order to explore the economic problems by way Zhi usually. In this paper, according to the survey on the reality of the situation of China's commercial banks, reasonable analysis and demonstration of the problem facing the process of the transformation of the management mode of our commercial bank in H, so as to find a solution to the problem.
The main logic of the paper is: the concept, definition of the scope of the problem, ask questions, research questions, analysis problem can be divided into six chapters. From the contents, the first chapter, mainly explains the background and significance, and explain the core concepts and the research methods, and briefly introduces the content and structure overview of change management mode. The second chapter of the commercial bank. Through researching the development of commercial banks, commercial banks with the subject of this unique behavior, the concept of commercial bank management mode are introduced, analysis of the significance and process of ^u change management system of commercial banks. The third chapter expounds the development status of China's commercial banks in transition the management mode, summarize the existing paradigm shift in the process of commercial bank problems, and in-depth analysis of the reasons for its existence. In the fourth chapter, China's commercial bank New thinking in the transformation of management model. According to the problems, try to explore the Countermeasures for China's commercial banks to adapt to the development of the financial industry trend of foreign advanced management cases. In the fifth chapter, gives suggestions on the transformation mode of operation and management of commercial banks. The sixth chapter points out the inadequacies of this article this, and the management mode of China's transformation of commercial banks is discussed.

【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

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