城市商业银行可持续发展研究

发布时间：2018-03-18 01:28

本文选题：城市商业银行　切入点：可持续发展　出处：《安徽财经大学》2012年硕士论文　论文类型：学位论文

【摘要】：城市商业银行自成立以来,发展较为迅速,目前在整个银行业中资产占比在8%左右,它的盈利能力不断增强,但是城市商业银行在其发展过程中面临着亟待解决的问题,如市场定位不清晰、风险控制能力较弱、地方政府干预较多、公司治理结构不合理、两级分化较严重等。这些问题在很大程度上影响了城市商业银行的可持续发展,因此,如何实现城市商业银行的可持续发展成为一个重要的课题。本文以理论分析为铺垫,首先从财务可持续、经营可持续和风险控制三个方面提出了城市商业银行的主要判断依据并在此基础上构建其衡量的指标体系,其次,结合我国城市商业银行的发展现状,运用统计性描述指标分析我国城市商业银行的可持续发展,结果表明我国城市商业银行可持续发展能力较差。再次,利用主成分分析法进一步对4家国有商业银行、2家全国股份制商业银行和15家城市商业银行运用8个指标进行实证分析。研究发现国有商业银行的可持续发展能力最强,全国股份制商业银行次之,城市商业银行最弱,而且城市商业银行的可持续发展能力两级分化较为明显。最后,从建立全面的风险管理机制,丰富中间业务的种类,实行差异化竞争,找准市场定位和建立以风险为导向企业文化这五个方面提出提高城市商业银行可持续发展能力的政策建议。
[Abstract]:Since its establishment, the city commercial bank has been developing rapidly. At present, the proportion of assets in the whole banking industry is about 8%, and its profitability is continuously enhanced. However, the city commercial bank is faced with some problems to be solved urgently in the process of its development. If the market position is not clear, the risk control ability is weak, the local government intervention is more, the corporate governance structure is unreasonable, the two levels differentiation is serious and so on. These problems affect the sustainable development of the city commercial bank to a great extent, therefore, How to realize the sustainable development of city commercial banks becomes an important subject. Based on the theoretical analysis, this paper first puts forward the main judgment basis of urban commercial banks from three aspects of financial sustainability, operational sustainability and risk control, and then constructs its measurement index system. Combined with the current situation of urban commercial banks in China, the sustainable development of urban commercial banks in China is analyzed by statistical description index. The results show that the sustainable development ability of urban commercial banks in China is poor. By using principal component analysis (PCA), this paper makes an empirical analysis of 4 state-owned commercial banks, 2 national joint-stock commercial banks and 15 urban commercial banks using 8 indexes. The research shows that state-owned commercial banks have the strongest ability of sustainable development. National joint-stock commercial banks are the second, urban commercial banks are the weakest, and the two levels of sustainable development ability of urban commercial banks are more distinct. Finally, from the establishment of a comprehensive risk management mechanism to enrich the types of intermediate business, The paper puts forward some policy suggestions on how to improve the sustainable development ability of urban commercial banks from the five aspects of differentiated competition, market orientation and risk oriented enterprise culture.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33

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