城市商业银行跨区域发展对策研究

发布时间：2018-12-09 08:23

【摘要】：城市商业银行已逐步发展成为继国有商业银行、全国性股份制银行之后的又一生力军，成为我国银行业不可或缺的“第三梯队”。城商行的跨区域经营浪潮从2006年开始，至今已有7个年头。一大批城商行在这波浪潮中迅速建立省内及跨省分支机构，扩大资产和业务规模，获得了巨大发展。截至2012年末，我国城商行共设立异地分支机构300多家。当前，我国城商行的跨区域经营模式包括新建异地分支机构、收购兼并、区域联合及异地参股控股其他商行等。这些模式各有利弊，适合不同资本实力、资产规模、管理水平及风险控制能力的城商行。在跨区域经营过程中，部分城商行仅仅是基于盲目扩张的心理，没有对当地经济环境、金融环境和经营环境作细致调研，也缺乏对自身条件的客观认识，内部管控机制存在较大缺陷，在客户定位、产品定位、市场定位方面表现出与大型商业银行极强的趋同性，丧失了自己的经营特色，继而暴露出很多风险。而且这种缺乏总体战略规划的跨区域经营也给我国的经济金融体系的健康发展带来很大隐患，导致金融资源分布不平衡的格局加剧，多层次商业银行体系出现断层，出现了过多的过度竞争、恶性竞争、无序竞争等问题。为了促进我国城商行跨区域经营走上健康长远之路，一方面监管部门要坚持城商行跨区域经营的方向不改变，完善相关政策和准入标准，加强对城商行补充资本金、上市、跨省经营的动态监管；另一方面城商行本身要准确市场定位，完善资本补充机制，，以差异化经营打造特色银行，增强风险防范能力，构建高效率的管理框架。不同层次的城商行将或者成为定位准确的区域特色银行，或者做大做强，逐步实现全国化甚至国际化发展战略。
[Abstract]:The city commercial bank has gradually developed into a new force after the state-owned commercial bank and the national joint-stock bank, and has become the "third echelon" of the banking industry of our country. The cross-regional management tide of city commercial bank has been 7 years since 2006. A large number of city commercial banks in this wave of rapid establishment of provincial and inter-provincial branches, expanding assets and business scale, has achieved tremendous development. By the end of 2012, more than 300 branches had been set up in China. At present, the cross-regional management mode of our country's city commercial banks includes the establishment of new branches in different places, the acquisition and merger, the regional association and the holding of shares in other commercial firms, and so on. These models have advantages and disadvantages, suitable for different capital strength, asset size, management level and risk control ability. In the process of cross-regional operation, some city commercial banks are only based on the psychology of blind expansion, without careful investigation of the local economic environment, financial environment and business environment, and lack of objective understanding of their own conditions. There are some defects in internal control mechanism, such as customer orientation, product positioning and market positioning, which show a strong convergence with large commercial banks and lose their own management characteristics, and then expose a lot of risks. Moreover, this kind of cross-regional operation, which lacks of overall strategic planning, also brings great hidden dangers to the healthy development of our country's economic and financial system, which leads to an imbalance in the distribution of financial resources and the emergence of faults in the multi-level commercial banking system. There are too many problems such as excessive competition, vicious competition, disordered competition and so on. In order to promote the cross-regional operation of our city commercial banks to take a healthy and long-term road, on the one hand, the regulatory authorities should insist that the direction of city commercial banks' cross-regional operations remain unchanged, improve the relevant policies and access standards, strengthen the supplementary capital and listing of the city commercial banks. The dynamic supervision of inter-provincial operation; On the other hand, the city commercial bank itself should accurately position the market, perfect the capital supplement mechanism, build the characteristic bank by the differentiation management, strengthen the ability of preventing the risk, and construct the high efficiency management frame. City commercial banks of different levels will either become regional banks with accurate positioning, or become bigger and stronger, and gradually realize the development strategy of nationalization and even internationalization.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

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