我国民营银行未来经营模式探究

发布时间：2018-03-20 16:41

本文选题：民营银行　切入点：经营模式　出处：《天津财经大学》2015年硕士论文　论文类型：学位论文

【摘要】：随着市场经济的不断发展,我国民营经济的地位越来越突出,然而我国民营经济的发展得到的金融支撑远远不够,极大的制约了民营经济的发展。在我国国民经济发生深刻变化的今天,为了更好的支持经济运行,金融市场也需要作出调整。民营银行的设立和发展对完善金融市场有显著的作用。本文以我国民营银行未来经营模式为研究对象,通过对我国民营银行的发展态势的分析,在了解我国民营银行的发展情况的基础上,对民营银行初创期和成长期面临的主要问题进行了探讨,提出了完善我国民营银行经营模式的解决对策：完善市场准入机制和退出机制；完善信用体系；推进利率市场化的改革步伐；不断完善存款保险制度；建立完善的金融监管体制；加强资本金管理；重视人才；准确市场定位；完善主营业务。文章最后对我国民营银行发展路径做了探讨：初创期,遵循基本经营模式,打好民营银行的根基；成长期,发展特色经营模式,寻求合理的市场定位。为我国民营银行发展做指导。对浙江网商银行的经营模式分析研究,总结出了浙江网商银行成功的经验与启示。对浙江网商银行的经营模式在肯定的基础上,也提出了浙江网商银行经营模式存在的问题,从而指出了我国民营银行在成长期需要注意的问题。同时创新性的提出了我国民营银行经营模式及发展路径选择,解决了民营银行在初创期应该构建怎样的经营模式,在成长期如何合理的市场地位这个难题,为民营银行的发展做参考,体现了本文的现实意义。
[Abstract]:With the continuous development of the market economy, the status of the private economy in our country is more and more prominent. However, the financial support for the development of the private economy in our country is far from enough. It has greatly restricted the development of the private economy. In order to better support the economic operation, today, when the national economy of our country has undergone profound changes, Financial market also needs to be adjusted. The establishment and development of private banks play a significant role in improving the financial market. This paper takes the future management model of private banks in China as the research object, through the analysis of the development situation of private banks in China. On the basis of understanding the development of private banks in China, this paper discusses the main problems faced by private banks in their initial and growing stages. This paper puts forward some countermeasures to perfect the management mode of private banks in China: perfecting the mechanism of market access and withdrawal, perfecting the credit system, promoting the reform of interest rate marketization, perfecting the deposit insurance system continuously; To establish a sound financial supervision system; to strengthen capital management; to attach importance to talent; to accurately position the market; to improve the main business. Finally, the article discusses the development path of private banks in China: the initial period, following the basic business model, Lay the foundation of the private bank, develop the characteristic management mode, seek the reasonable market position, guide the development of the private bank in our country, analyze and research the management mode of the Zhejiang network merchant bank, This paper summarizes the successful experience and enlightenment of Zhejiang network merchant bank. On the basis of affirmation, it also puts forward the problems existing in Zhejiang network merchant bank management model. This paper points out the problems that should be paid attention to in the growing period of the private banks in our country. At the same time, it creatively puts forward the management mode and the choice of the development path of the private banks in our country, and solves the management mode that the private banks should build in the initial period. The problem of how to reasonably position the market in the growing period is a reference for the development of private banks, which reflects the practical significance of this paper.
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.33

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