城市商业银行跨区域经营研究

发布时间：2018-03-29 06:06

本文选题：城市商业银行　切入点：跨区域经营　出处：《华中科技大学》2012年硕士论文

【摘要】：2006年4月上海银行宁波分行成立，标志城市商业银行跨区域经营进入实践阶段，城市商业银行作为银行业的第三梯队成为金融体系主要的改革目标，逐步实现从“单一城市经营”向“跨区域经营”转变。城市商业银行的发展壮大为解决中小企业融资难题以及化解金融系统性风险具有现实意义。本文围绕城市商业银行跨区域经营为主线，在借鉴美国跨州经营的基础上，综合运用市场结构理论、制度变迁理论、案例分析以及主成份分析方法，对城市商业银行发展历程、现状、问题以及跨区域经营的现状、问题、动因、模式、目标城市选择进行分析，向监管部门和城市商业银行提供合理化建议。首先在对国内外关于银行跨区域经营的理论进行总结阐述，通过与国有银行、股份制银行纵向对比，，以及城市商业银行之间内部比较，总结城市商业银行发展中的问题，并明确城市商业银行跨区域经营的现状，为分析跨区域经营的动因作铺垫；然后从内外多维度对跨区域经营的动因进行深刻剖析，指出城市商业银行跨区域经营是被动适应经济形势的结果；重点分析直接参股、组织联合、村镇银行、合并重组等几种模式，并综合分析各种模式下的优劣势；对主流模式的核心问题进行定量分析，深入研究目标城市的选择这一核心问题；最后就城市商业银行跨区域经营存在的问题向监管部门和城市商业银行提出可行性的建议。综合分析认为，跨区域经营的进一步发展进程中，部分表现优秀的城市商业银行将发展不断扩大经营规模和资产质量，发展为与国有商业银行以及股份制商业银行并驾齐驱的银行单元，进一步完善金融业市场体系。
[Abstract]:The establishment of Ningbo Branch of Shanghai Bank in April 2006 marks the practical stage of cross-regional operation of city commercial bank. As the third echelon of banking industry, city commercial bank has become the main reform target of financial system. The development of urban commercial banks is of practical significance to solve the financing problems of small and medium-sized enterprises and to resolve the systemic risks of finance. Cross-regional management of commercial banks is the main line, On the basis of the cross-state operation of the United States, the paper makes comprehensive use of market structure theory, institutional change theory, case analysis and principal component analysis method to analyze the development course, current situation, problems and cross-regional management of urban commercial banks. Motivation, model, target city selection analysis, to provide reasonable suggestions to the regulatory authorities and urban commercial banks. First of all, it summarizes the theory of cross-regional operation of banks at home and abroad, and summarizes the problems in the development of urban commercial banks through the longitudinal comparison with state-owned banks, joint-stock banks, and the internal comparison between urban commercial banks. It also clarifies the current situation of cross-regional operation of urban commercial banks, and lays the groundwork for analyzing the motivation of cross-regional operation. Then, it makes a profound analysis of the motivation of cross-regional operation from the internal and external multi-dimension. It is pointed out that the cross-regional management of urban commercial banks is the result of passive adaptation to the economic situation, with emphasis on the analysis of several modes, such as direct equity participation, organization and association, village and town banks, and merger and reorganization, and the advantages and disadvantages of these models are comprehensively analyzed. Quantitative analysis of the core issues of the mainstream mode, in-depth study of the choice of the target city, and finally put forward feasible suggestions to the regulatory authorities and the city commercial banks on the problems of cross-regional management of urban commercial banks. The comprehensive analysis shows that in the further development of cross-regional operation, some excellent urban commercial banks will continue to expand their business scale and asset quality. It has developed into a banking unit parallel with state-owned commercial banks and joint-stock commercial banks to further improve the market system of the financial industry.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33

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