我国城市商业银行发展现状及经营绩效研究
发布时间：2018-10-05 17:17
【摘要】：城市商业银行是20世纪90年代中期，在城市信用合作社的基础上建立起来的，具有中国特色的金融机构。城市商业银行在完善我国金融体系、协助当地金融发展、为居民提供就业岗位和服务便利方面发挥了难以替代和不可小觑的作用。 城市商业银行在建立之初经历了一段比较灰暗的历史，饱受资产规模小、资产质量低、经营风险高、从业人员素质低的诟病。近年来，城市商业银行经过自身的不懈努力，通过引进国内国外战略投资者、跨区域重组联营等途径改善了资产质量、扩充了资本实力，城市商业银行的发展又迈上了一个新台阶，宁波银行、南京银行、北京银行这三家银行发展优秀的城市商业银行还加入了上市银行的行列，城市商业银行在新时代由内而外地展现出了新的活力，在发展过程中出现的新特点和新问题也更值得学术界进行研究。 本文首先阐述了城市商业银行的历史和现状，从城市商业银行的前身城市信用合作社介绍起，详细论述了城市商业银行的发展历程、在我国金融体系发展中起到的作用以及中国加入世贸组织后，城市商业银行新的发展趋势。随后，本文介绍了与我国城市商业银行有相似之处的美国和日本的社区银行和地方银行，通过对国外相关银行的情况进行总结，为我国城市商业银行的发展提供了可借鉴的发展建议。本文还利用计量分析软件，对最近几年我国具有代表性的城市商业银行的财务数据进行实证分析，研究了资产规模、成本费用、经营管理、所在地宏观经济情况等因素对城市商业银行经营绩效的影响，并根据实证分析的结果结合我国目前的金融发展情况，对我国城市商业银行未来的发展道路作出了相应的建议。这也是本文的研究重点和创新之处。 本文在研究方法上，将规范分析和实证分析进行了结合使用。首先阐述城市商业银行的定义、特点、历史发展和作用等，这是规范分析的范畴；又通过结合文献研究确定影响城市商业银行经营绩效的财务指标，以及收集我国具有代表性的城市商业银行的具体财务数据，使用Eviews等软件进行计量分析，，对影响城市商业银行经营的因素进行了实证分析；本文结尾再次使用规范分析，对城市商业银行未来的发展在营业范畴和市场定位方面列出了一些具有参考价值的建议。根据之前的参考文献来看，我国学术界对于城市商业银行的研究虽然历史也不算短暂，但研究文献中规范分析占绝大部分，都是局限于先阐述城市商业银行现今存在的缺陷进而提出解决的建议。少部分有实证分析的文献，实证分析部分也只是将收集到的城市商业银行的数据进行横向或纵向的比较，使用计量模型进行实证分析的论文非常有限。因此本文使用近年城商行的财务数据进行的实证分析有一定的创新性，对研究我国城市商业银行的经营管理问题也有一定的实际意义。
[Abstract]:City commercial bank was established on the basis of city credit cooperative in the middle of 1990s. City commercial banks play an important role in perfecting our country's financial system, assisting local financial development, providing employment and service convenience for residents. City commercial banks experienced a dark history at the beginning of their establishment. They suffered from the criticism of the small scale of assets, the low quality of assets, the high risk of operation and the low quality of employees. In recent years, through their unremitting efforts, urban commercial banks have improved asset quality and expanded their capital strength through the introduction of domestic and foreign strategic investors and cross-regional reorganization of joint ventures. The development of city commercial banks has reached a new level. Ningbo Bank, Nanjing Bank, Beijing Bank, these three banks, the city commercial banks, have also joined the ranks of listed banks. City commercial banks show new vitality from inside to outside in the new era, and the new characteristics and new problems in the process of development are more worthy of academic research. This paper first describes the history and present situation of the city commercial bank, from the city commercial bank predecessor city credit cooperative introduction, elaborated the city commercial bank development course, After China's entry into WTO, urban commercial banks have a new development trend. Then, this paper introduces the community banks and local banks in the United States and Japan, which are similar to the city commercial banks in China, and summarizes the situation of foreign banks. It provides some suggestions for the development of city commercial banks in China. This paper also makes an empirical analysis of the financial data of representative urban commercial banks in China in recent years with the help of econometric analysis software, and studies the scale of assets, cost and cost, management and management. Based on the results of empirical analysis, this paper makes some suggestions on the future development of urban commercial banks according to the results of empirical analysis combined with the current situation of financial development in China. This is also the focus of this study and innovation. In this paper, normative analysis and empirical analysis are combined. Firstly, the definition, characteristics, historical development and function of urban commercial banks are expounded, which is the scope of normative analysis. And collect the specific financial data of the representative city commercial banks of our country, use Eviews and other software to carry on the econometric analysis, have carried on the empirical analysis to the factors that influence the city commercial bank management; at the end of this article, use the normative analysis again, Some valuable suggestions on the future development of city commercial banks are given in terms of business scope and market orientation. According to the previous references, although the history of our academic research on urban commercial banks is not short, the normative analysis in the research literature accounts for the vast majority. It is limited to expound the present defects of city commercial banks and then put forward some suggestions to solve them. A small number of empirical analysis literature, empirical analysis part is only collected by the city commercial bank data horizontal or vertical comparison, the use of econometric model for empirical analysis of the paper is very limited. Therefore, the empirical analysis based on the financial data of the city commercial bank in recent years is innovative and has certain practical significance for the study of the management problems of the city commercial banks in our country.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33
本文编号：2254206
[Abstract]:City commercial bank was established on the basis of city credit cooperative in the middle of 1990s. City commercial banks play an important role in perfecting our country's financial system, assisting local financial development, providing employment and service convenience for residents. City commercial banks experienced a dark history at the beginning of their establishment. They suffered from the criticism of the small scale of assets, the low quality of assets, the high risk of operation and the low quality of employees. In recent years, through their unremitting efforts, urban commercial banks have improved asset quality and expanded their capital strength through the introduction of domestic and foreign strategic investors and cross-regional reorganization of joint ventures. The development of city commercial banks has reached a new level. Ningbo Bank, Nanjing Bank, Beijing Bank, these three banks, the city commercial banks, have also joined the ranks of listed banks. City commercial banks show new vitality from inside to outside in the new era, and the new characteristics and new problems in the process of development are more worthy of academic research. This paper first describes the history and present situation of the city commercial bank, from the city commercial bank predecessor city credit cooperative introduction, elaborated the city commercial bank development course, After China's entry into WTO, urban commercial banks have a new development trend. Then, this paper introduces the community banks and local banks in the United States and Japan, which are similar to the city commercial banks in China, and summarizes the situation of foreign banks. It provides some suggestions for the development of city commercial banks in China. This paper also makes an empirical analysis of the financial data of representative urban commercial banks in China in recent years with the help of econometric analysis software, and studies the scale of assets, cost and cost, management and management. Based on the results of empirical analysis, this paper makes some suggestions on the future development of urban commercial banks according to the results of empirical analysis combined with the current situation of financial development in China. This is also the focus of this study and innovation. In this paper, normative analysis and empirical analysis are combined. Firstly, the definition, characteristics, historical development and function of urban commercial banks are expounded, which is the scope of normative analysis. And collect the specific financial data of the representative city commercial banks of our country, use Eviews and other software to carry on the econometric analysis, have carried on the empirical analysis to the factors that influence the city commercial bank management; at the end of this article, use the normative analysis again, Some valuable suggestions on the future development of city commercial banks are given in terms of business scope and market orientation. According to the previous references, although the history of our academic research on urban commercial banks is not short, the normative analysis in the research literature accounts for the vast majority. It is limited to expound the present defects of city commercial banks and then put forward some suggestions to solve them. A small number of empirical analysis literature, empirical analysis part is only collected by the city commercial bank data horizontal or vertical comparison, the use of econometric model for empirical analysis of the paper is very limited. Therefore, the empirical analysis based on the financial data of the city commercial bank in recent years is innovative and has certain practical significance for the study of the management problems of the city commercial banks in our country.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33
【引证文献】
相关硕士学位论文 前3条
1 杨逾初;城市商业银行电子银行业务发展策略的研究[D];贵州财经大学;2013年
2 郭杰;我国城市商业银行股权结构与经营绩效关系研究[D];内蒙古大学;2013年
3 牧琪尔;我国城市商业银行中间业务发展研究[D];内蒙古大学;2013年
本文编号：2254206
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