南昌A银行社区银行的发展策略研究

发布时间：2019-05-12 01:09

【摘要】：如今我国的银行体系结构不够合理,大型商业银行比重太高,而小型商业银行的比重太低,这势必对银行业的健康运行产生影响。社区银行应运而生,成为推动经济稳定向上、协调社会发展的不二之选。由于我国各省市地区经济发展水平不同,发展社区银行需要在借鉴西方社区银行建设经验的基础上,制定因地制宜的发展战略,以更好地服务区域经济。本文将A银行的下属社区银行当作研究的具体对象,进一步探讨社区银行在发展的过程中的具体需求,为该银行的发展提供更加有力的建议。本文通过回顾各国学者在社区银行方面的具体的理论果实,并提出社区银行自身所具备的五个基本的特点。与此同时,将进一步解释社区银行最基本的两个理论,即金融共生理论以及产权制度方面的理论。再分析其他发达国家的社区银行的发展历程,为我国的社区银行提供经验以及教训。A银行在发展社区银行的发展进程中具有三个内部优势:一是拥有相对优质的客户群体,二是具有良好的品牌优势,三是具有一定的经营优势;但也存在一些内部劣势:如对社区银行的运营和管理还不成热、服务定位水平偏低等。根据A银行的社区银行在发展过程中遇到的问题,进行分析,总结出以下的发展策略:一是树立品牌竞争优势,二是构建丰富多样的产品服务体系,三是创新银行发展模式,四是培养社区银行高素质人才。
[Abstract]:Nowadays, the banking system structure of our country is not reasonable, the proportion of large commercial banks is too high, and the proportion of small commercial banks is too low, which is bound to have an impact on the healthy operation of the banking industry. Community banks emerge as the times require and become the right choice to promote economic stability and coordinate social development. Because of the different levels of economic development in different provinces and cities in China, the development of community banks needs to draw up the development strategy according to local conditions on the basis of drawing lessons from the construction experience of western community banks in order to better serve the regional economy. This paper takes the community bank of Bank A as the specific object of the study, further discusses the specific needs of the community bank in the process of development, and provides more powerful suggestions for the development of the bank. This paper reviews the specific theoretical results of scholars in community banks, and puts forward five basic characteristics of community banks themselves. At the same time, it will further explain the two most basic theories of community banks, namely, the theory of financial symbiosis and the theory of property right system. This paper analyzes the development process of community banks in other developed countries, and provides experience and lessons for community banks in our country. A bank has three internal advantages in the development process of community banks: first, it has relatively high quality customer groups. The second is to have a good brand advantage, the third is to have a certain business advantage; However, there are also some internal disadvantages: for example, the operation and management of community banks is not hot, the level of service positioning is low and so on. According to the problems encountered by the community bank of Bank A in the process of development, this paper analyzes and summarizes the following development strategies: one is to establish the competitive advantage of the brand, the other is to build a rich and diverse product and service system, and the third is to innovate the development model of the bank. The fourth is to train high-quality talents of community banks.
【学位授予单位】：南昌大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.3

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