金融脱媒背景下我国社区银行的发展研究

发布时间：2018-01-22 05:51

本文关键词： 金融脱媒社区银行发展模式富国银行　出处：《青岛科技大学》2017年硕士论文　论文类型：学位论文

【摘要】：我国的商业银行面对市场的激烈竞争和新技术的变革,迫切需要找到适合我国商业银行的发展之路。但是,我国社区银行还处于发展的初期,没有相对成熟的运营模式,对自身定位认知不足,在产品和服务上同质化严重,没有形成自己的特色。相对来说,美国社区银行模式己经相当成熟,形成了与美国大银行的服务业务和经营模式相互补充的生态效应。为了更好的推进我国社区银行的有序可靠的发展,以此来找到适合我国社区银行发展的措施和合理化建议,必须要借鉴美国社区银行发展的成功经验。本文首先从利率市场化的推进,以及互联网金融对社区银行的影响等方面入手,对社区银行发展的动因,重点从金融脱媒、社区银行、金融脱媒与银行业的发展关系、金融脱媒对社区银行的影响四个维度的国内外研究进行了概括总结阐述;其次,分析了我国商业银行开展社区银行的现状和主要模式,通过与美国富国银行的社区银行业务作对比,指出我国社区银行在这几年发展过程中暴露出的诸多问题,为我国社区银行的发展指明了方向;最后,选取JN地区6家己建成的社区银行网点作为样本,从九个维度对其经营模式进行具体对比分析归纳出我国社区银行的基本特征,同时结合问卷调查JN地区客户对社区银行的想法和需求,从而探索出适合国内社区银行发展参考的可行性对策与建议:加大社区银行的建设力度、建立健全社区银行市场准入和退出机制;做透做实零售业务;科学选址;抓好渠道建设基础;抓好客户基础;体验营销的策略;加快互联网金融发展。
[Abstract]:Facing the fierce competition of the market and the change of the new technology, the commercial banks of our country urgently need to find the development road suitable for the commercial banks of our country. However, the community banks of our country are still in the initial stage of development. There is no relatively mature mode of operation, lack of understanding of its own positioning, serious homogenization of products and services, and not forming its own characteristics. Relatively speaking, the American community banking model has been quite mature. In order to promote the orderly and reliable development of the community banks in China, it has formed the ecological effect that complements the service business and the management mode of the big American banks. In order to find suitable measures and reasonable suggestions for the development of community banks in China, we must learn from the successful experience of the development of community banks in the United States. As well as the impact of Internet finance on community banks, the reasons for the development of community banks, focus on financial disintermediation, community banks, financial disintermediation and banking development relationship. The four dimensions of financial disintermediation on community banks are summarized and elaborated. Secondly, the paper analyzes the current situation and main mode of community banking in China's commercial banks, and compares it with the community banking business of Wells Fargo Bank of the United States. It points out that many problems have been exposed in the process of development of community banks in our country in recent years, which points out the direction for the development of community banks in our country. At last, the author selects 6 established community bank outlets in JN area as samples, and summarizes the basic characteristics of Chinese community banks from nine dimensions. At the same time combined with the questionnaire survey JN area customer's thought and the demand to the community bank thus explores the feasible countermeasure and the suggestion which suits the domestic community bank development reference: strengthens the community bank construction dynamics. Establishing and perfecting market access and exit mechanism of community banks; Do the retail business thoroughly; Scientific site selection; Grasp the foundation of channel construction; Do a good job of customer base; Experience marketing strategy; We will speed up the development of Internet finance.
【学位授予单位】：青岛科技大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.3

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