市场在城市商业银行治理中的作用机制研究
发布时间：2018-12-07 09:31
【摘要】：由于我国正大力践行金融体制改革工作，国内银行系统的构架也初具规模，伴随国有与股份制两类银行的成熟和完善，城市银行作为一股新兴势力也开始发展壮大起来，并成为了地方经济进步的重要后盾力量。本文首先全面了解国内外城市商业银行发展的现状，对城市商业银行进行界定，介绍银行治理的产生与发展，为整个论文研究的展开打下基础。其次分析我国城市商业银行发展以及在发展中遇到的问题，分析我国城市商业银行治理中存在的主要问题；发现市场在城市商业银行的发展起到的作用，，城市商业银行治理又对城市商业银行市场营销起到的反作用。之后从银行业监管部门的监管作用、客户需求的推动作用和金融同业的竞争作用三个方面详细分析市场在城市商业银行公司治理的作用机制。根据以上理论分析内容对湖州银行治理进行详细案例分析，并得出结论。按照市场对于银行治理的影响规律来健全城市银行的治理格局，提升其营销系统的先进性，增强城市商业银行在金融领域里的竞争水平，对湖州银行下一步银行治理改革与发展有着现实意义，对提高城市商业银行治理效率有着创新价值。
[Abstract]:As China is vigorously carrying out the reform of the financial system, the framework of the domestic banking system is beginning to take shape. With the maturity and perfection of the state-owned and joint-stock banks, urban banks, as a new force, have also begun to develop and grow. And has become the important backing of local economic progress. In this paper, the development of urban commercial banks at home and abroad is first fully understood, the city commercial banks are defined, and the emergence and development of bank governance are introduced, which lays a foundation for the research of the whole paper. Secondly, it analyzes the development of urban commercial banks in China and the problems encountered in the development, and analyzes the main problems existing in the governance of urban commercial banks in China. It is found that the market plays an important role in the development of the city commercial banks, and the governance of the city commercial banks plays a counteractive role in the marketing of the city commercial banks. Then the mechanism of market in corporate governance of city commercial banks is analyzed in detail from three aspects: the regulatory role of banking supervision, the promotion of customer demand and the competitive role of financial interbank. According to the above theoretical analysis of Huzhou bank governance detailed case analysis, and draw a conclusion. According to the law of market influence on bank governance, to perfect the governance pattern of urban banks, to enhance the advanced nature of their marketing system, and to enhance the competitive level of urban commercial banks in the financial field. It is of practical significance to the reform and development of bank governance in Huzhou Bank, and has innovative value to improve the efficiency of city commercial bank governance.
【学位授予单位】：石家庄经济学院
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33;F271
本文编号：2366987
[Abstract]:As China is vigorously carrying out the reform of the financial system, the framework of the domestic banking system is beginning to take shape. With the maturity and perfection of the state-owned and joint-stock banks, urban banks, as a new force, have also begun to develop and grow. And has become the important backing of local economic progress. In this paper, the development of urban commercial banks at home and abroad is first fully understood, the city commercial banks are defined, and the emergence and development of bank governance are introduced, which lays a foundation for the research of the whole paper. Secondly, it analyzes the development of urban commercial banks in China and the problems encountered in the development, and analyzes the main problems existing in the governance of urban commercial banks in China. It is found that the market plays an important role in the development of the city commercial banks, and the governance of the city commercial banks plays a counteractive role in the marketing of the city commercial banks. Then the mechanism of market in corporate governance of city commercial banks is analyzed in detail from three aspects: the regulatory role of banking supervision, the promotion of customer demand and the competitive role of financial interbank. According to the above theoretical analysis of Huzhou bank governance detailed case analysis, and draw a conclusion. According to the law of market influence on bank governance, to perfect the governance pattern of urban banks, to enhance the advanced nature of their marketing system, and to enhance the competitive level of urban commercial banks in the financial field. It is of practical significance to the reform and development of bank governance in Huzhou Bank, and has innovative value to improve the efficiency of city commercial bank governance.
【学位授予单位】：石家庄经济学院
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33;F271
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