光大银行长沙分行社区银行发展模式研究

发布时间：2018-01-02 01:26

本文关键词：光大银行长沙分行社区银行发展模式研究　出处：《中南大学》2014年硕士论文　论文类型：学位论文

【摘要】：摘要：2006年被称为我国社区银行发展的元年,社区银行成为政策性银行、国有商业银行、股份制商业银行、外资银行之后的第五种银行类型,成为我国银行体系中不可或缺的一部分。2012年,湖南省众多商业银行同时将零售业务的工作重心转向了社区银行的创建。民生、浦发、兴业等银行已率先加快了对优质社区资源的抢占速度。银行业的竞争日益激烈,社区银行的发展蓬勃兴起,对社区金融的需求也越来越大。在这种背景下,光大银行作为中小股份制银行,有必要加快社区金融工作推进的速度,为未来在湖南省的发展壮大奠定坚实的客户基础。为此,本文以光大银行长沙分行发展社区银行作为研究对象,探讨研究社区银行的发展模式,为光大银行在湖南省发展社区银行提供有借鉴意义的研究成果。文中首先回顾了国内外学者关于社区银行的理论研究成果和方向,在阐述社区银行基本理论的基础上介绍了美国学者和我国学者对社区银行的界定,并提出社区银行具有规模小、组织形式单一、特色经营、收费服务低廉、信息公开较全面等五个基本特征。同时,文章阐述了关于社区银行的两个理论基础,一是金融共生理论,二是产权制度理论。并通过对美国、澳大利亚和日本社区银行的模式分析,提炼了国外社区银行发展的经验启示。文章对光大银行长沙分行在湖南省发展社区银行的环境进行了深入分析,提出光大银行在湖南省发展社区银行具有的两大优势：第一是制定了明确的发展计划和目标,第二是具有较好的硬件和软件配套设施。但是也存在一些劣势：第一是关于社区银行的运营和管理还不成熟,第二是人力资源需要进一步充足。通过环境分析,文章从三个方面阐述了光大银行长沙分行社区银行的发展策略,即：第一是发展社区银行的相关要求,第二是选址规划要求及运营服务体系,第三是运营核算设计及风险控制。同时,文章还进一步设计了光大银行在湖南省发展社区银行的运营模式,包括：主要运营组织架构、主要运营业务、营销策划与营销实施模式和投入与利润控制目标四个方面。并提出了相应的保障措施：一是通过建立存款保险制度、完善相关扶持政策和法律建设、推进信用体系建设以及建立和完善社区银行行业自律组织四个方面的措施来实施政策保障。二是通过建立完善的内部控制制度和企业治理结构、加强风险防范、培养专业人才以及培育先进的企业文化四个方面的措施来实施内部保障。
[Abstract]:Abstract: in 2006, it was called the first year of the development of community banks in our country. Community banks became policy banks, state-owned commercial banks, joint-stock commercial banks and foreign banks. In 2012, many commercial banks in Hunan Province turned the focus of retail business to the establishment of community banks. People's livelihood, Pudong Development. Societe Generale and other banks have taken the lead in speeding up the speed of seizing high-quality community resources. The competition of banking industry is becoming increasingly fierce, the development of community banks is booming, and the demand for community finance is growing. As a medium and small joint-stock bank, Everbright Bank should speed up the development of community finance and lay a solid customer base for the future development of Hunan Province. Therefore, this paper takes Everbright Bank Changsha Branch to develop community bank as the research object, discusses the development model of community bank. For Everbright Bank to develop community banks in Hunan Province to provide reference for the research results. Firstly, this paper reviews the domestic and foreign scholars on the theory of community banks and the direction of research. On the basis of expounding the basic theory of community bank, this paper introduces the definition of community bank by American scholars and Chinese scholars, and points out that community bank has small scale, single organizational form, characteristic management and low charge service. At the same time, the paper expounds two theoretical bases of community bank, one is financial symbiosis theory, the other is property right system theory. The model analysis of community bank in Australia and Japan has refined the experience and enlightenment of the development of foreign community bank. This paper analyzes the environment of Everbright Bank Changsha Branch to develop community bank in Hunan Province. Put forward the Everbright Bank in Hunan Province to develop community banks have two major advantages: the first is to formulate a clear development plan and goals. The second is to have better hardware and software facilities. But there are some disadvantages: first, the operation and management of community banks is not mature; second, human resources need to be further adequate. Through environmental analysis. This paper expounds the development strategy of community bank of Everbright Bank Changsha Branch from three aspects: the first is the related requirements of the development of community bank, the second is the location planning requirements and operation service system. The third is the design of operational accounting and risk control. At the same time, the article further designs the operation model of Everbright Bank in Hunan Province, including: the main operation organization structure, the main operation business. Marketing planning and marketing implementation model and investment and profit control objectives four aspects. And put forward the corresponding safeguards: first, through the establishment of deposit insurance system, improve the relevant support policies and legal construction. To promote the construction of credit system and the establishment and improvement of the community banking industry self-discipline organization to implement the four measures to implement policy protection. Second, through the establishment of a sound internal control system and corporate governance structure, strengthen risk prevention. Training professionals and fostering advanced corporate culture four aspects of measures to implement internal protection.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

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