中国城市商业银行发展路径选择研究

发布时间：2018-04-08 08:14

本文选题：城市商业银行　切入点：发展路径　出处：《湘潭大学》2012年硕士论文

【摘要】：从1995年我国首家城市商业银行深圳市城市合作银行成立至今，城市商业银行发展历史并不长，从世界范围来看，城市商业银行也是“中国特色”的银行机构。从其最初定位“服务地方经济、服务城市居民、服务中小企业”，到随着中小企业对资金需求增加、市场规模的扩大，城市商业银行在近年如雨后春笋般蓬勃发展，成为与国有、股份制商业银行并驾齐驱的三种类型的银行类金融机构中的重要组成部分，其快速发展既满足了我国经济发展对金融机构的专业化需求、丰富了我国银行业的层次结构，又给我国银行业带来了新的发展动力。我国城市商业银行在较短的发展历程中选择了不同发展路径，充分发挥经营管理体制灵便、传导信息机制快速等特点，努力寻求发展空间，大力推进体制改革和业务创新，在更名、上市、联合重组、不良资产处置和引进境外战略投资者等方面进行了有益的尝试，取得了明显成效，显示出了较好的发展前景和活力。尽管其发展程度参差不齐，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，，降低不良贷款率，转变经营模式，在当地占有了相当大的市场份额。其中，更是出现了像北京银行、上海银行这样发展迅速，跻身于全球银行前列的优秀银行。经济水平发展的区域性差异、市场环境差异、发展诉求差异等因素的影响使城市商业银行在发展过程中选择了不同发展路径，本文试图以绩效为视角，选择目前我国城市商业银行较多依赖的上市、并购和引进战略投资者三种路径进行实证分析、评估，希望藉此研究产生现实指导作用。文章的基本思路是首先梳理我国城市商业银行发展变迁脉络，从现状中分析其固有优势与制约其发展的主要因素；其次对选择不同发展路径的城市商业银行进行经验分析，分析其发展路径选择的动因与一般效果；再次以绩效为评价指标予以实证检验；最后，从绩效出发，根据实证结论分析不同模式选择的利弊得失，得出我国城市商业银行发展路径选择的一些启示。
[Abstract]:Since the establishment of Shenzhen City Cooperative Bank, the first city commercial bank in our country in 1995, the development history of city commercial bank is not long. In the world, the city commercial bank is also a banking institution with "Chinese characteristics".From its initial orientation of "serving the local economy, serving the urban residents, serving the small and medium-sized enterprises" to the rapid development of the city commercial banks in recent years, with the increasing demand for funds and the expansion of the market size of the small and medium-sized enterprises,It has become an important part of three types of banking financial institutions, which are parallel with state-owned and joint-stock commercial banks. Its rapid development meets the specialized needs of financial institutions in China's economic development.It enriches the hierarchical structure of China's banking industry and brings new impetus to the development of China's banking industry.The city commercial banks of our country have chosen different development paths in the short development course, give full play to the characteristics of flexible management system and fast transmission information mechanism, and strive to seek for the development space and vigorously promote the system reform and business innovation.In the aspects of renaming, listing, joint reorganization, disposal of non-performing assets and introduction of foreign strategic investors, beneficial attempts have been made, and obvious results have been achieved, showing a better development prospect and vitality.In spite of its uneven development, quite a number of urban commercial banks have completed the reform of the shareholding system, gradually digesting historical non-performing assets through various channels, reducing the non-performing loan rate, and changing the business model.There is a considerable share of the local market.Among them, the emergence of the Bank of Beijing, Shanghai Bank such a rapid development, among the top banks in the world.This paper chooses the three paths of listing, M & A and introduction of strategic investors, which the city commercial banks rely on at present, to carry on the empirical analysis and evaluation, hoping that the research will produce the realistic guidance function.The basic idea of this paper is to firstly sort out the development and vicissitude of urban commercial banks in our country, analyze its inherent advantages and the main factors restricting its development from the present situation; secondly, carry on the empirical analysis to the city commercial banks that choose different development paths.Analyze the motivation and general effect of the choice of development path; take the performance as the evaluation index to give the empirical test again; finally, proceed from the performance, analyze the advantages and disadvantages of the different mode choice according to the empirical conclusion,Get some enlightenment of the development path choice of the city commercial bank of our country.
【学位授予单位】：湘潭大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33

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