美国小银行商业模式研究

发布时间：2018-07-13 11:55

【摘要】：我国小银行正呈现出蓬勃发展的态势，农村信用社的改革在如火如荼的进行，村镇银行也在国家政策的鼓励下不断兴起。但是如何提升我国小银行的核心竞争力来确保其发展的可持续性是需要进行深层次思考的问题。美国小银行在经历了金融监管变迁、信息技术进步以及多次经济金融危机的影响后，数量仍然占据银行体系的绝大部分，在竞争中生存下来的小银行也表现出了健康稳定发展的能力。因此研究美国小银行的生存之道并为我国小银行发展提供借鉴具有深远的意义。本文研究的主要目的是美国小银行是否存在一种独特的商业模式使其能够在市场竞争中立足，如果存在的话，具体的表现形式如何。本文首先基于商业模式的相关理论界定了小银行商业模式的概念和构成要素，并结合小银行优势奠定了全文分析的逻辑框架和理论基础。接下来本文对美国小银行的发展历程和现状进行了介绍，并具体分析了其独特的商业模式，最后在总结美国小银行商业模式特征的基础上提出了值得我国小银行借鉴的相关内容。本文认为美国小银行在面临越来越激烈的市场竞争时，表现出了可持续发展的能力，因此得出小银行拥有独特商业模式的结论。美国小银行独特的商业模式具体表现在：价值创造方面盈利模式与业务模式保持一致，小银行以提供传统银行业务获取收入为主，即主要通过存款业务获得资金，并为中小企业和农场主提供贷款获取利息收入，，在创造自身价值的同时也为客户创造了价值；基础设施方面小银行内部的客户关系、公司治理结构和组织构成以及生存的外部市场环境、监管环境、存款保险制度以及行业协会等都为价值创造提供了良好的条件。我国小银行在业务发展重点、公司治理结构、客户关系以及外部环境上都值得结合自身的实际情况向美国小银行学习。
[Abstract]:The reform of rural credit cooperatives is in full swing, and the village banks are also rising under the encouragement of national policies. However, how to improve the core competitiveness of small banks to ensure the sustainability of their development is a matter of deep consideration. After experiencing changes in financial regulation, advances in information technology and the impact of many economic and financial crises, the number of small banks in the United States still accounts for the vast majority of the banking system. Small banks that survive the competition have also shown their ability to grow healthily and steadily. Therefore, it is of great significance to study the survival of American small banks and to provide reference for the development of small banks in China. The main purpose of this study is whether there is a unique business model for small American banks to be able to establish themselves in the market competition, and if so, what are the specific forms of expression. This paper first defines the concept and elements of small bank business model based on the relevant theory of business model, and establishes the logical framework and theoretical foundation of the full text analysis combined with the advantage of small bank. Then this paper introduces the development and current situation of American small banks, and analyzes its unique business model. Finally, on the basis of summarizing the characteristics of American small banks' business model, the paper puts forward some relevant contents which are worthy of our country's small banks' reference. This paper argues that American small banks have shown the ability of sustainable development in the face of more and more fierce market competition, so we draw the conclusion that small banks have a unique business model. The unique business models of American small banks are as follows: the profit model of value creation is consistent with the business model, and small banks mainly obtain income by providing traditional banking business, that is to say, they mainly obtain funds through deposit business. And to provide loans to small and medium-sized enterprises and farmers to earn interest income, creating value for their own value as well as creating value for their customers; customer relations within small banks in terms of infrastructure, Corporate governance structure and organizational structure as well as the survival of the external market environment regulatory environment deposit insurance system and industry associations all provide good conditions for value creation. Small banks in our country are worth learning from American small banks in terms of business development, corporate governance structure, customer relationship and external environment.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F831.2;F837.12

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