城市商业银行跨区域经营：内在动机与外部性

发布时间：2018-05-03 12:17

本文选题：城市商业银行 + 跨区域发展　；参考：《山东大学》2012年硕士论文

【摘要】：城市商业银行是我国金融系统的重要组成部分,它的健康快速发展将有利于为我国经济发展提供更好的服务。但其发展之路并不顺利,围绕跨区域扩张的利与弊、速度与规模、具体模式,学界与业界展开了激烈的争论。监管当局的态度也是在不断变化中：“限制——有管制的放开——推动——叫停”,似乎在经历了2006-2010五年的摸索,城市商业银行的发展又回到了起点。理论的探究,将有利于透过城市商业银行快速跨区域扩张的表象,寻找其“跑马圈地”的真实动机与潜在隐患,但不足以让我们公平客观地评价其对自身以及对宏观经济的影响；案例的分析,将有利于观察具体银行的扩张轨迹,探究作为独立但又同时受到政府股东控制的法人个体的扩张路径,但不能以一概全的放之于不同规模、不同股权结构、不同治理水平的所有城市商业银行；引入美国取消银行跨州经营限制,能为我们城市商业银行跨区域扩张提供一个重要的参照,但必须考虑各自银行体系的特殊性。经历了五年的快速扩张,我们对这个问题的探讨一直没有停止,理论探究的文章浩如烟海,利弊争议、模式选择、管理隐忧可谓见仁见智；案例分析更是涉及不同规模、不同模式、不同管理水平的各类城市商业银行,专家学者从各自角度开出处方；借鉴美国银行的发展路径、引入社区银行的发展模式,提出城市商业银行应该回归“立足地方,立足市民,立足中小企业”的初始定位。但作为五年发展的总结,我们应该用数据对跨区域发展对其自身、对金融体系、甚至对经济发展的影响做一客观公正的评价,更重要的对此后的发展提供一些有意义的探索。可惜,现在这一类文献并不多见,本文所尝试做的正是如此。本文首先阐述2006-2010城市商业银行快速扩张的五年所取得的巨大成就以及凸显的一系列问题,然后引出人们对于这一问题存在的巨大争议。本文将不限于对争议和建议的罗列,分析城市商业银行跨区域经营的影响因素有助于解答积极参与到区域扩张的银行特点,有利于对人们所争议的其不顾自身规模和管理水平而进行的盲目扩张给予公正评价；分析跨区域经营的不同因素对其绩效和风险的影响,有助于理解其扩张动机,有助于理解不同城市商业银行趋同的扩张路径；分析城市商业银行的扩张路径,有助于理解其扎堆于东部沿海地区与发达城市；分析对金融体系和经济发展的影响反映了城市商业银行跨区域扩张的外部性,是我们必须认真面对的问题,更重要的让我们不会因为偶发的金融案件而否定其积极作用；城市商业银行要快速发展,像前五年一样快速扩张的外部经济环境、国家宏观政策都很难复制,需要精耕细作并逐渐向充满活力又缺乏相应金融服务的县域经济扩张,为此本文做了详细的SWOT分析,指出其大有可为。这些是本文的核心,也是本文所力争解决的问题。本文在研究方法方面,描述性分析与数量分析的综合应用让我们对城市商业银行跨区域经营的动机、对自身的影响以及外部性有了较为深刻的认识；引入四家全国性股份制商业银行,表明城市商业银行具有银行的共性而又有本身的特点,为我们提出县域扩张的发展战略提供依据；动态研究与静态研究的综合应用,还原城市商业银行不同发展阶段的特点,更有利于我们对其进行客观公正评价。
[Abstract]:The city commercial bank is an important part of China's financial system. Its rapid development will be beneficial to providing better service for the economic development of our country. However, the road of development is not smooth. There is a fierce debate about the advantages and disadvantages of the trans regional expansion, the speed and scale, the specific mode, the academic circle and the industry, and the attitude of the regulatory authorities. It is in constant change: "restriction - controlled release - push - stop", it seems that after 2006-2010 and five years' groping, the development of urban commercial banks is back to the starting point.
The exploration of the theory will be conducive to the rapid and trans regional expansion of urban commercial banks, looking for the real motivation and potential hidden dangers of the "running horse circle", but it is not enough to let us objectively evaluate its impact on itself and on the macro-economy. The analysis of the case will be beneficial to the observation of the expansion of specific banks and to explore the work. The individual's expansion path, which is independent but controlled by the government shareholders at the same time, can not be completely put on all urban commercial banks with different size, different ownership structure and different level of governance, and the introduction of the United States to cancel the bank's cross state restriction can provide an important part of the trans regional expansion of our city commercial banks. Reference, but we must consider the particularity of the respective banking system. After five years of rapid expansion, we have not stopped the discussion of this problem. The articles of theoretical inquiry are so vast, the advantages and disadvantages, the choice of patterns, and the problems of management are different, and the case analysis involves different scales, different patterns, and different management levels. All kinds of urban commercial banks, experts and scholars prescribe their prescriptions from their respective angles. Drawing on the development path of the Bank of America and introducing the development model of community banks, it is suggested that the city commercial banks should return to the initial positioning of "based on the local, based on the citizens and based on small and medium enterprises". But for the summary of the five year development, we should use the data to cross the region. The development of the domain is an objective and impartial evaluation of its own, the financial system, and even the impact on the economic development. It is more important to provide some meaningful exploration for the development after this. Unfortunately, this kind of literature is not very common now. This is what this article is trying to do.
This paper first expounds the great achievements and a series of problems in the five years of the rapid expansion of the 2006-2010 city commercial banks, and then leads to the great controversy about the problem. This article will not be limited to the list of disputes and suggestions, and the analysis of the factors affecting the cross regional operation of urban commercial banks will help to solve the product. It is helpful to understand the impact of different factors of cross regional management on their performance and risk. It helps to understand their expansion motivation and help to understand the convergence of commercial banks in different cities. The expansion path, the analysis of the expansion path of urban commercial banks, helps to understand its accumulation in the eastern coastal areas and the developed cities; the analysis of the impact of the financial system and economic development reflects the externality of the urban commercial banks' trans regional expansion, which we must seriously face and, more importantly, let us not be incidental. The financial case negates its positive role; the city commercial bank needs rapid development, as fast as the previous five years, the rapid expansion of the external economic environment, the national macro policies are difficult to replicate, and need intensive cultivation and gradual expansion to the county economy full of vitality and lack of corresponding financial services. This paper has done a detailed SWOT analysis and pointed out that These are the core of this article and the problems that this article strives to solve.
In this paper, the comprehensive application of descriptive analysis and quantitative analysis gives us a more profound understanding of the motivation of the trans regional business of urban commercial banks, their own influence and the externality, and the introduction of four national joint-stock commercial banks to show that the commercial banks of the city have the commonness of the banks and their own. It provides the basis for the development strategy of the county expansion, the comprehensive application of dynamic research and static research, and the characteristics of the different development stages of the city commercial banks, which is more conducive to the objective and impartial evaluation of the development of the city commercial banks.

【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.3

【引证文献】