利率市场化下宁夏银行运营管理改革的策略研究

发布时间：2018-01-02 07:14

本文关键词：利率市场化下宁夏银行运营管理改革的策略研究　出处：《河北工业大学》2015年硕士论文　论文类型：学位论文

【摘要】：我国城市商业银行自1995年获准设立以来,城市商业银行(以下简称“城商行”)在中国金融业的舞台上历练成长,已成为我国银行业的“第三梯队”,为我国银行业稳健发展和促进地方经济建设方面都做出了突出贡献。2009年,银监会下调城商行异地市场准入政策标准,从而掀起了中小银行的跨区域经营热潮。但其在资本规模、资产质量、公司治理水平和人才储备等方面与国有银行以及全国股份制银行存在较大差距。这些突出的问题导致城商行的生存和发展空间被国有银行以及全国股份制银行挤压,尤其是伴随利率市场化改革的不断深入,特别是在2013年7月20日央行宣布全面放开金融机构贷款利率下限后,小银行面临了日益迫切的挑战。城商行若想生存发展,就必须另辟蹊径,寻找自身特色发展之路。商业银行的运营管理涵盖了在稳健经营,防范风险的前提下,为股东创造价值、为客户提供服务的全过程。一直以来,城商行都因为运营规模、成本控制、客户响应等方面的原因,对运营管理体系建设没有投入足够多的重视,但伴随利率市场化进程的加快,运营管理能力将关乎小银行的生死存亡,因此,把运营管理体系建设放在利率市场化大的背景下一并研究,将更加赋有现实意义。本文从这个角度,以宁夏银行作为具体剖析对象,通过对宁夏银行基本情况的分析,查找运营管理中存在的突出问题及问题成因,提出利率市场化下宁夏银行应加快实施运营作业集中化改革合理释放运营资源;开展围绕客户体验与运行效率提升的运营流程重塑,以及加强跨部门运营合作提升运营支撑能力等应对途径。本论文研究对促进城商行运营管理改革以及在利率市场化背景下,加快转型和发展具有一定的借鉴意义。
[Abstract]:China's city commercial banks since 1995 allowed the establishment, City Commercial Bank (hereinafter referred to as the "City firm") grew up in Chinese financial industry on the stage of experience, has become China's banking industry's "third echelon" for China's banking industry healthy development and promote local economic construction have made outstanding contributions to.2009 year, the CBRC lowered the city market access policy firm remote standards, which set off a cross regional business boom of small and medium-sized banks. But the scale of capital, asset quality, there is a big gap between the level of corporate governance and talent reserve, and state-owned banks and joint-stock banks. These problems lead to the survival and development of city commercial banks space is the state-owned banks and national joint-stock banks extrusion, especially with the deepening reform of interest rate marketization, especially in July 20, 2013 the central bank announced a comprehensive open financial Mechanism of lower loan interest rates, small banks face increasingly urgent challenges. The survival and development of city commercial banks to have another way to find their own characteristics and development. The operation and management of commercial banks covers in stable operation, under the premise of preventing risks, create value for shareholders, the whole process of customer service. Since the city commercial banks because of the scale of operations, cost control, customer response and other reasons, not for the construction and operation of management system to devote enough attention, but with the interest rate market to speed up the process, operation and management ability for small banks, therefore, the construction and operation of vital importance, management system on interest rate marketization under the background of the study together, will be endowed with more practical significance. This paper from the point of view, with the Bank of Ningxia as a specific research object, through the analysis of the basic situation of the Bank of Ningxia, search operations The causes of problems existing in the management and the problems, put forward under the market interest rate the Bank of Ningxia should speed up the implementation of the reform of the centralized operation reasonable release operation resources; carried on reshaping the operation process and operation efficiency to enhance the customer experience, and strengthen inter departmental cooperation in operation to enhance the operational support ability to approach. The research of this paper to promote the reform of the city business management and the background in the interest rate market, has a certain significance to speed up transformation and development.

【学位授予单位】：河北工业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.33

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