城市商业银行跨区域经营组织形式选择研究

发布时间：2018-01-13 22:09

本文关键词：城市商业银行跨区域经营组织形式选择研究　出处：《南京财经大学》2013年硕士论文　论文类型：学位论文

【摘要】：城市商业银行作为我国银行业的“第三梯队”在成立之初其业务活动被限制在所在城市。近年来，随着区域经济一体化的发展及跨区域经营政策的放开，城市商业银行单一城市制的经营模式已不能满足市场发展要求。首先，地区经济一体化的发展带动了资金的跨区域流动，客户不断要求银行能够为其提供跨区域的金融产品与服务，跨区域经营成为城市商业银行发展的一大趋势。其次，监管部门通过审慎的研究，按照分类指导的原则，逐步放宽了对资质较好的城市商业银行跨区域发展的限制。2009年4月，，银监会发布《关于中小商业银行分支机构市场准入政策的调整意见（试行）》，放宽了城商行跨区域设立分支机构的有关限制，并调整了省内设立异地分支机构的审批流程，有力推动了跨区域的快速发展。跨区域经营要结合自身情况考虑很多因素，其中采取何种经营模式无疑是城市商业银行跨区域发展中一项十分关键的抉择。跨区域经营中，城市商业银行可以选择并购重组、异地设立分行、区域联合、直接参股、设立村镇银行等经营模式。在一定条件下，城市商业银行跨区域经营不限于单一模式，关键是要因地制宜，选择适合自己的经营模式。本文围绕城市商业银行跨区域经营模式选择这一主题，综合运用增长极理论、区域经济一体化理论、规模经济与范围经济理论、交易费用理论、利润最大化理论；采用理论分析与数理证明相结合的方法对城市商业银行跨区域经营的现状、跨区域经营的模式、跨区域经营的特点、跨区域经营主流模式选择、直接参股与设立分行影响因素等进行了较为全面的分析，还对直接参股与设立分行在不同影响因素下的情况建立利润模型进行比较分析，最后对城市商业银行跨区域经营提出了相关建议。
[Abstract]:As the "third echelon" of China's banking industry, urban commercial banks have been restricted in their business activities at the beginning of their establishment. In recent years, with the development of regional economic integration and the liberalization of cross-regional management policy. The single city management model of city commercial bank can not meet the requirements of market development. Firstly, the development of regional economic integration has led to the cross-regional flow of funds. Customers continue to ask banks to provide them with cross-regional financial products and services, cross-regional management has become a major trend of the development of urban commercial banks. Secondly, the regulatory authorities through careful research. According to the principle of classification, the restrictions on the cross-regional development of urban commercial banks with good qualifications have been gradually relaxed. April 2009. The CBRC issued the Adjustment opinion on the Market access Policy of the branches of small and Medium-sized Commercial Banks (try out), which relaxed the restrictions on the establishment of branches across the region by city commercial banks. And adjusted the approval process of setting up branch offices in different regions, which promoted the rapid development of cross-region. Cross-regional management should consider many factors according to its own situation, among which, what kind of management mode is undoubtedly a very key choice in the cross-regional development of urban commercial banks. City commercial banks can choose M & A and reorganization, set up branches, regional joint, directly participate in shares, set up village banks and other business models. Under certain conditions, the cross-regional management of urban commercial banks is not limited to a single model. The key is to adapt to local conditions, choose their own business model. This paper focuses on the choice of cross-regional business model of urban commercial banks, the comprehensive use of growth pole theory, regional economic integration theory, economies of scale and scope economy theory, transaction costs theory. Profit maximization theory; Using the method of theoretical analysis and mathematical proof, the paper chooses the current situation, the mode of cross-regional operation, the characteristics of cross-regional operation, and the mainstream mode of cross-regional operation of urban commercial banks. The paper makes a comprehensive analysis on the influence factors of direct equity participation and branch setting up, and also makes a comparative analysis on the establishment of profit model under different influence factors between direct equity participation and branch setting up. Finally, the paper puts forward relevant suggestions to cross-regional management of city commercial banks.
【学位授予单位】：南京财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

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