盛京银行跨区域经营策略案例研究

发布时间：2018-01-19 10:17

本文关键词： 盛京银行跨区域经营研究　出处：《辽宁大学》2012年硕士论文　论文类型：学位论文

【摘要】：城市商业银行是中国银行业的重要组成部分和特殊的群体,其前身是20世纪80年代设立的城市信用社。截至2012年6月末,我国共有城市商业银行137家,营业机构遍布全国各个省、自治区、直辖市和地级市。城市商业银行已经逐渐发展成熟,尽管其发展程度良莠不齐,但有相当多的城市商业银行已经完成了股份制改革,并通过各种途径逐步消化历史上的不良资产,转变经营模式,在当地占有了相当大的市场份额,其中,更是出现了发展迅速已经跻身于全球银行500强行列的优秀银行。由于单一城市发展模式制约着那些经营状况良好的城市商业银行的发展,使得城市商业银行在资产规模、客户资源、成本控制等方面存在着不可突破的限制并且面临着较高的、无法化解的地域风险,2004年银监会发布《城市商业银行监管与发展纲要》,明确鼓励城市商业银行进行联合、重组、并购及跨区域发展。在此背景下,沈阳市商业银行积极制定跨区域经营发展策略,2007年沈阳市商业银行正式更名为盛京银行,并成功在天津设立第一家外埠分行。截至目前,盛京银行已设立天津分行、北京分行、上海分行、长春分行等十家外埠分行,同时参股建立了沈阳沈北富民、沈阳法库富民、沈阳辽中富民等六家村镇银行。在跨区域经营发展策略获得巨大成功的同时,盛京银行也暴露出人才队伍匮乏、金融产品短缺、资本金不足、市场定位不清晰等短板,对跨区域经营的发展形成了制约。本文以盛京银行跨区域发展策略为案例,对盛京银行跨区域经营发展中存在的问题进行了一定程度的分析说明,并提出一定建设性的意见,以弥补不足,为跨区域经营更好的发展奠定基础,并为今后工作实践提供借鉴和参考。
[Abstract]:City commercial bank is an important part and special group of China's banking industry, its predecessor is the city credit cooperative established in 1980s. Until the end of June, 2012. There are 137 urban commercial banks in China, with business organizations in all provinces, autonomous regions, municipalities directly under the Central Government and prefecture-level cities. Urban commercial banks have gradually developed into mature, although the degree of development is mixed. But a considerable number of urban commercial banks have completed the stock system reform, and through various ways to gradually digest the history of non-performing assets, change the business model, in the local market share has been considerable. It is also the emergence of rapid development has been among the top 500 global banks in the ranks of the excellent banks. Because the single city development mode restricts the development of those city commercial banks in good condition, makes the city commercial banks in the scale of assets, customer resources. In 2004, CBRC issued the outline of Supervision and Development of Urban Commercial Banks. In this context, Shenyang City Commercial Bank actively formulated cross-regional business development strategy to encourage urban commercial banks to carry out joint, reorganization, mergers and acquisitions and cross-regional development. In 2007, Shenyang commercial bank officially changed its name to Shengjing bank, and successfully set up the first foreign bank branch in Tianjin. Up to now, Shengjing bank has established Tianjin branch, Beijing branch and shanghai branch. Changchun branch and other ten foreign branches, at the same time participate in the establishment of Shenyang Shenbei Fumin, Shenyang Faku Fumin, Shenyang Liaozhong Fumin and other six village banks. In the cross-regional business development strategy has achieved great success. Shengjing Bank also exposed the shortage of talents, shortage of financial products, insufficient capital, unclear market positioning, and so on, which restricted the development of cross-regional operation. This paper takes Shengjing Bank's cross-regional development strategy as an example, analyzes and explains to a certain extent the problems existing in the development of Shengjing Bank's cross-regional operation, and puts forward some constructive suggestions in order to make up for the deficiencies. It lays a foundation for the better development of cross-regional operation and provides reference for future work practice.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F272.3;F832.33

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