我国城市商业银行成长动力机制研究

发布时间：2018-04-25 14:06

本文选题：城市商业银行 + 成长特征　；参考：《天津大学》2012年博士论文

【摘要】：我国的城市商业银行是由城市信用合作社改组而成的银行类金融机构,是我国金融体制改革的重要内容。经过近15年的发展,城商行有效地控制和化解了数千家城市信用社积累的金融风险。面向未来,在中国特色的经济环境中,选择怎样的成长模式才能成为市场的强者,并在竞争中脱颖而出,成为城市商业银行面临的共同课题。本文以战略管理理论、成长理论、系统论为理论基础,从成长特征、成长动力机制、成长模式三个方面对城市商业银行成长机制进行了系统而深入的研究。采用定性与定量相结合的研究方法,通过规范性研究、大样本实证研究、案例研究相结合等技术手段,在系统的研究框架下,对城市商业银行的成长特征进行了探讨,分析了每类特征产生的动因和现实途径;深入剖析了影响城市商业银行成长的主要驱动因素,构建了成长动力机制模型,并利用结构方程方法进行了实证检验和模型修正;在此基础上提出了规模成长、差异成长和借势成长的三种城市商业银行成长模式,并以齐鲁银行为例进行了案例分析;最后对我国城市商业银行实现可持续成长提出政策建议。与以往研究相比,文本的创新性工作主要体现在以下几个方面: (1)构建了城市商业银行成长动力机制。本文通过对各种风险因素相互关系的研究,提出城市商业银行成长是由外部推力与内在动力共同作用的结果。针对我国城市商业银行的特点,构造了城市商业银行成长动力模型。借助结构方程模型的方法,在大规模专家访谈和问卷调研的基础上,验证了成长动力机制的有效性,进一步揭示了成长驱动因素之间、成长驱动因素与成长性各维度之间的作用路径和相互关系。 (2)提出了基于城市商业银行异质性的成长特征体系。本文指出城商行成长特征的本质就是在不同的影响因素下选择不同的成长方式。在此基础上,抽丝剥茧,深入探讨了每种成长方式的成长驱动因素,包括区位优势、政府影响、市场竞争、公司治理、资本约束、创新能力、管理能力等。 (3)提出了基于城市商业银行成长动力机制的城市商业银行成长模式。针对我国城市商业银行的独特性,提出了基于城市商业银行成长动力机制的城市商业银行成长模式,即规模成长模式、差异成长模式和借势成长模式,分别阐述了其成长模式的特征、城商行的初始条件、经营策略以及相关案例;最后以齐鲁银行为例,详实地分析其成长模式的选择策略。
[Abstract]:The city commercial bank of our country is a kind of banking financial institution formed by the reorganization of the city credit cooperative, which is the important content of the financial system reform of our country. After nearly 15 years of development, city commercial banks effectively control and defuse the financial risks accumulated by thousands of urban credit cooperatives. Facing the future, in the economic environment with Chinese characteristics, what kind of growth mode can be chosen to become the market strong, and stand out in the competition, become the common topic that the city commercial banks are faced with. Based on the theories of strategic management theory, growth theory and system theory, this paper makes a systematic and in-depth study on the growth mechanism of urban commercial banks from three aspects: the growth characteristics, the growth motive mechanism and the growth model. By using qualitative and quantitative research methods, through normative research, large sample empirical research, case study and other technical means, under the framework of systematic research, this paper discusses the growth characteristics of urban commercial banks. This paper analyzes the causes and practical approaches of each kind of characteristics, deeply analyzes the main driving factors that affect the growth of urban commercial banks, constructs a growth dynamic mechanism model, and makes an empirical test and model modification by using the structural equation method. On this basis, the paper puts forward three kinds of growth models of urban commercial banks, which are scale growth, differential growth and opportunity growth, and takes Qilu Bank as an example to analyze the case, and finally puts forward some policy recommendations for the realization of sustainable growth of urban commercial banks in China. Compared with previous studies, the innovative work of the text is mainly reflected in the following aspects: 1) construct the dynamic mechanism of urban commercial bank growth. Based on the study of the relationship between various risk factors, this paper puts forward that the growth of urban commercial banks is the result of the combination of external thrust and internal power. According to the characteristics of urban commercial banks in China, a dynamic growth model of urban commercial banks is constructed. With the help of the structural equation model, on the basis of large-scale expert interviews and questionnaire survey, the validity of the growth motivation mechanism is verified, and the growth drivers are further revealed. The path and relationship between growth drivers and growth dimensions. A growth characteristic system based on the heterogeneity of urban commercial banks is proposed. This paper points out that the essence of the growth characteristics of city commercial banks is to choose different growth modes under different influence factors. On this basis, the factors driving each growth mode are discussed, including location advantage, government influence, market competition, corporate governance, capital constraint, innovation ability, management ability and so on. The growth model of city commercial bank based on the dynamic mechanism of urban commercial bank growth is put forward. In view of the uniqueness of urban commercial banks in China, this paper puts forward the growth models of urban commercial banks based on the dynamic mechanism of the growth of urban commercial banks, that is, scale growth model, differential growth model and opportunity growth model. The characteristics of its growth model, the initial conditions of the city commercial bank, business strategy and related cases are elaborated. Finally, Qilu Bank is taken as an example to analyze the choice strategy of its growth model in detail.
【学位授予单位】：天津大学
【学位级别】：博士
【学位授予年份】：2012
【分类号】：F832.2

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