GL城市商业银行跨区域经营研究

发布时间：2018-04-23 06:31

本文选题：城商行 + 跨区域经营　；参考：《广西大学》2012年硕士论文

【摘要】：自2006年银监会放行城市商业银行跨区域经营以来,在国有银行、股份制银行、外资银行等金融机构留下的“夹缝”中,城商行经过5年跨区域经营发展,以非常惊人的速度成长起来,2010年城商行异地扩张达到了历史的高峰,城市商业银行的跨区域发展对促进中小企业融资发挥了不可替代的作用。但随着2010年“齐鲁银行案件”的出现,开始暴露出城商行风险控制的不足,继而监管层提出将审慎推进城商行跨区域经营的政策,城商行设立异地分行特别是跨省设立分支机构基本处于暂缓的状态,等待银监会出台新的准入和评估政策。而一直以来城商行对于缓解我国中小企业融资难问题有着不可替代的作用,允许城市商业银行进行跨区域经营无疑还是银行业改革必须坚持的方向。2012年初,各地银监局开始接收城商行上报的跨区规划申请文件,等待监管部门根据监管评级情况给予批复。本文围绕着我国城市商业银行跨区域经营的现状、特点、问题,并以GL银行为视角,对跨区域经营中共同存在的问题和GL银行自身存在的问题分别进行了分析,进而针对问题提出相应的对策建议。本文第一章是导论,重点是对已有的研究成果进行了分类、总结,找到自己文章的切入点；第二章对城商行跨区域经营的动因和现状进行了分析,城商行主要出于防范危机、业务发展、分散风险等需要进行跨区域经营,并从城商行跨区域经营的概况、特点概述了我国城商行跨区域经营现状；第三章介绍了GL银行跨区域经营的概况、特点、成效和存在的问题等四个方面,重点对GL银行跨区域经营存在的问题进行阐述和分析；第四章针对GL银行跨区域经营存在的问题,对完善GL银行跨区域经营提出了可行的思路和建议；第五章是完善GL银行跨区域经营的外部保障,即从监管政策和属地政策两方面来支持城商行跨区域经营；最后一章为结论与展望,希望逐步建立检验城商行跨区经营发展是否成功的标准。
[Abstract]:Since the CBRC released the city commercial banks to operate across regions in 2006, in the "gap" left by financial institutions such as state-owned banks, joint-stock banks, foreign banks, etc., City-based commercial banks have undergone five years of trans-regional business development. In 2010, the expansion of city commercial banks reached a historical peak, and the cross-regional development of urban commercial banks played an irreplaceable role in promoting the financing of small and medium-sized enterprises. However, with the emergence of the Qilu Bank case in 2010, it began to expose the insufficiency of the risk control of the City Commercial Bank, and then the regulators put forward a policy of prudently promoting the cross-regional operation of the City Commercial Bank. City commercial banks set up branches in other places, especially inter-provincial branches in a state of suspension, waiting for the CBRC to issue a new access and evaluation policy. City commercial banks have been playing an irreplaceable role in alleviating the financing difficulties of small and medium-sized enterprises in our country. It is undoubtedly the direction of banking reform that city commercial banks should be allowed to carry out cross-regional operations in early 2012. Local banking regulatory bureaus began to receive the cross-regional planning application documents reported by City Commercial Bank, pending regulatory approval based on the regulatory ratings. This paper focuses on the current situation, characteristics and problems of cross-regional management of urban commercial banks in China. From the perspective of GL Bank, this paper analyzes the common problems in cross-regional operation and the problems of GL Bank itself, respectively. And then put forward the corresponding countermeasures and suggestions for the problem. The first chapter of this paper is an introduction, which focuses on classifying and summarizing the existing research results and finding the breakthrough point of the paper. Chapter two analyzes the reasons and current situation of the cross-regional management of city commercial banks, which is mainly for the prevention of crisis. Business development, risk diversification and other needs to carry out cross-regional operation, and from the general situation of cross-regional management of city commercial banks, the characteristics of cross-regional management of city commercial banks in our country, the third chapter introduces the general situation of GL bank cross-regional operation, the characteristics, The fourth chapter focuses on the problems existing in GL bank cross-regional operation, and the fourth chapter focuses on the problems of GL bank cross-regional operation, the fourth chapter is focused on the problems of GL bank cross-regional operation, the fourth chapter is focused on the problems of GL bank cross-regional operation. Some feasible ideas and suggestions are put forward to perfect GL bank's cross-regional operation. Chapter five is to perfect the external guarantee of GL bank's cross-regional operation, that is, to support the city bank's cross-regional operation from the two aspects of supervision policy and territorial policy. The last chapter is the conclusion and prospect, hoping to establish the standard to test the success of the cross-district business development.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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