中国中小商业银行发展战略研究

发布时间：2018-05-01 19:52

本文选题：中小商业银行 + 发展战略　；参考：《西北农林科技大学》2013年博士论文

【摘要】：以大型国有商业银行以外的股份制商业银行、城市商业银行、农村商业银行为范畴的中小商业银行已成为我国银行业金融机构的重要组成部分，中小商业银行的发展壮大，对于扩大银行业金融服务领域和范围、提高区域发展金融服务水平，带动其他中小金融机构发展、增强我国银行业整体服务能力和改革绩效，发挥了重要的作用。在全球后金融危机时期，我国经济发展逐步向内生经济增长模式转变，经济增长放缓、内需倚重、区域经济发展不平衡减弱、中产阶层不断扩大、城镇化加速推进、技术创新和绿色经济特征凸出、要素市场化改革全面推动、利率市场化改革加速推进、逆周期宏观审慎监管框架建立并实施，经济金融发展趋势及发展特征与以往历史时期大不相同，中小商业银行发展面临全新的环境。面对经济金融形势变化和趋势特征，适应经济金融改革举措的整体推进，在经历了以往的改革过程后，我国中小商业银行发展迫切需要建立目标明确、特征突出、重点得当的新的发展战略，以满足中小商业银行自身发展、区域经济和社会发展、国家发展的需求，实现中小商业银行转型发展，有效履行经济社会服务职能。本文以战略理论、最优金融结构理论、中小商业银行发展理论等为理论基础，，按照规范分析和实证分析相结合的方法，系统论述和规划了我国中小商业银行发展战略。在阐明选题的价值和意义、明晰逻辑起点和理论基础、梳理我国中小商业银行发展战略环境基础上，设置非平衡面板数据计量模型，实证分析我国中小商业银行发展的要素体系及其战略绩效，并构建我国中小商业银行发展战略总体框架，明确了相关战略目标、战略特征和战略重点；围绕总体发展战略，深入分析并形成了关于我国中小商业银行公司治理、业务发展、流程再造、风险管理、信息科技建设、人力资源建设、区域金融生态环境建设七大领域的子战略，全面协同支撑总体发展战略。本文的理论和实证分析获得并支撑了一些有价值的结论。第一，提出我国中小商业银行发展战略要素体系。选取2001-2010年由12家股份制银行、46家城市商业银行、13家农村商业银行组成的我国中小商业银行相关非平衡面板数据，构建计量模型，实证分析并形成了公司治理、业务发展、风险管理、人力资源建设、信息科技建设、流程再造、金融生态环境建设七大中小商业银行发展战略要素体系。第二，构建了我国中小商业银行发展战略的总体框架，明确了相关战略目标、战略特征和战略重点。我国中小商业银行发展的战略目标，是从改革经营和管理、改善生态环境入手，积极稳妥、循序渐进地推进中小商业银行沿着高效、稳健、可持续的方向发展，建立特色鲜明、服务优良的现代银行，实现多层次、差异化、特色化发展，有效市场竞争，动态匹配经济社会发展需求，充分服务地方经济、中小企业、城乡居民的和谐金融服务。公司治理、业务发展、流程再造、风险管理、信息科技建设、人力资源建设、金融生态环境建设等七个领域协同一致的政策框架，构成了我国中小商业银行发展的战略重点和主要支柱。第三，通过分析中小商业银行公司治理的地方政府控制的特殊属性，以及中小商业银行三元分类结构特征、政府控制、监管约束、市场影响等公司治理四类因素，构建地方政府控制下公司治理成本效益的理论框架，刻划我国中小商业银行公司治理的均衡态势和发展路径，形成了我国中小商业银行公司治理渐进改革的“三步走”优化路径。第四，通过重点分析成长期企业规模经济和范围经济的效率属性、根植当地和跨区域经营相互促进、利率市场化推进、小微企业融资困境四类主要影响因素对我国中小商业银行业务发展的规范和要求，形成了巩固和扩大传统业务、创新加强新型业务的中小商业银行业务发展思路和策略。第五，通过分析中小商业银行流程再造的理论、实践和现状，指出地方政府支持的推动力、战略规划内在要求的拉动力、高管层认识的统一性，构成了流程再造的动力源支撑。中小商业银行流程再造应按照循序渐进的原则，实施业务战略模块的流程改造，匹配组织架构的整合和优化，配套流程再造的保障支撑。第六，通过重点分析中小商业银行科学发展、内涵集约经营模式、规模扩张、差异化和特色化经营、上市规划、中小商业银行核心竞争力、监管趋势等对中小商业银行风险管理提出的新要求和形成的新趋势，构建了中小商业银行风险偏好体系和机制建设的框架和内容，形成了匹配总体战略、夯实传统风险管理基础、逐步建立基于风险资本约束机制为核心的全面风险管理体系的中小商业银行风险管理思路和策略。第七，通过构建低层次人力资本向高层次人力资本转化、反映人力资源制度功效的中小商业银行人力资本模型，刻划中小商业银行人力资本提升的战略逻辑和经济机制，得出中小商业银行人力资源制度有效提升了人力资本水平，促进产出增长，实现效率增进。并以2001-2010年我国71家中小商业银行面板数据实证分析支持了理论模型结论。指出我国中小商业银行战略转型时期，需要重视人力资源制度的中长期绩效，遵循中小商业银行人力资本提升的战略逻辑和经济机制，构建人力资本战略，加强人力资本战略的匹配性和协同性，提升和塑造吻合自身禀赋和战略要求的人力资本。第八，通过重点加强地方政府治理，有序推进利率市场化和资本市场建设，加强涵盖征信体系、支付体系、会计审计、法律、监管、存款保险、危机和破产机制的金融基础设施建设，形成了我国中小商业银行生态环境建设的重点内容和措施。
[Abstract]:In the period of global financial crisis , China ' s small and medium - sized commercial banks are facing a brand - new environment . In the period of global post - crisis financial crisis , China ' s small and medium - sized commercial banks are facing a new environment . In the period of global post - crisis financial crisis , China ' s small and medium - sized commercial banks are facing a brand - new environment .

Based on the theory of strategic theory , the theory of optimal financial structure and the development theory of small and medium - sized commercial banks , this paper discusses and plans the development strategy of small and medium - sized commercial banks in China based on the combination of normative analysis and empirical analysis .
Surrounding the overall development strategy , we deeply analyze and form the sub - strategy in the seven fields of corporate governance , business development , process reengineering , risk management , information technology construction , human resource construction and regional financial ecological environment in our country .

First , to put forward the strategic element system for the development of small and medium - sized commercial banks in our country . Select the non - balance panel data of small and medium - sized commercial banks composed of 12 joint - stock banks , 46 city commercial banks and 13 rural commercial banks from 2001 to 2010 , build a measurement model , and analyze and form the strategic element system for the development of the seven small and medium - sized commercial banks in corporate governance , business development , risk management , human resource construction , information technology construction , process reengineering and financial ecological environment .

Second , the overall framework of the development strategy of small and medium - sized commercial banks in China is constructed , and the strategic objectives , strategic features and strategic focus are defined . The strategic objectives of the development of small and medium - sized commercial banks in China are the strategic objectives of the development of small and medium - sized commercial banks in China .

Third , by analyzing the special attributes of the local government control of the small and medium - sized commercial banks , and the three factors of corporate governance , such as the three - way classification structure , the government control , the supervision and restriction , the market influence and so on , the theoretical framework of the corporate governance cost - benefit under the control of local government is constructed . The equilibrium situation and the development path of the governance of the small and medium - sized commercial banks in China are set up , and the " three - step " optimization path of the gradual reform of the small and medium - sized commercial banks in China is formed .

Fourthly , through the analysis of the efficiency attributes of the scale economy and the scope economy of the long - term enterprise , the factors influencing the development of the small and medium - sized commercial banks in our country are rooted in the mutual promotion of local and trans - regional operations , the marketization of interest rates and the four main influencing factors of the financing difficulties of the small micro - enterprises , and the ideas and strategies of the development of the small and medium - sized commercial banks are formed .

Fifth , by analyzing the theory , practice and present situation of the process reengineering of small and medium - sized commercial banks , it is pointed out that the driving force supported by local government , the inherent requirement of strategic planning and the unity of high pipe layer awareness form the power source support for process reengineering .

Sixth , through the analysis of the scientific development of small and medium - sized commercial banks , the intensive management mode , the expansion of scale , differentiation and characteristic operation , the marketing planning , the core competitiveness of small and medium - sized commercial banks and the trend of supervision , the paper constructs the framework and content of the risk preference system and mechanism construction of small and medium - sized commercial banks , and forms the risk preference system and mechanism - building framework and contents of small and medium - sized commercial banks .

Seventh , by constructing the human capital model of small and medium - sized commercial banks with low - level human capital and transforming human capital into high - level human capital , the strategic logic and economic mechanism of human capital promotion in small and medium - sized commercial banks are described .

Eighth , through the emphasis on strengthening local government governance , orderly advancing the interest rate liberalization and capital market construction , strengthening the construction of financial infrastructure covering the credit system , payment system , accounting auditing , law , supervision , deposit insurance , crisis and bankruptcy mechanism , the key contents and measures of eco - environmental construction of small and medium - sized commercial banks in China are formed .

【学位授予单位】：西北农林科技大学
【学位级别】：博士
【学位授予年份】：2013
【分类号】：F832.33

【参考文献】