邯郸银行经营状况分析

发布时间：2018-05-04 10:50

本文选题：邯郸银行 + 经营状况　；参考：《河北金融学院》2014年硕士论文

【摘要】：以服务中小企业和社区等经济体为主的城市商业银行是金融改革的重点和难点,城市商业银行的健康发展对地方经济具有重要意义,其支持和促进作用体现在两个方面：一是城市商业银行掌握地方企业和地方经济的信息,能够发现有潜力的小企业给予信贷支持；二是大型银行很难满足地方市场对服务差异多样化的要求,小企业及个体工商户融资需求大,为城市商业银行留下了广阔的市场。邯郸银行作为以邯郸市政府为第一股东的区域性股份制商业银行,资产规模达500亿,2011、2012年连续入围“年度最具成长性中小银行”,是河北省城市商业银行发展的典型代表。报告立足于当前我国金融市场快速发展的现状,通过全面调研邯郸银行的发展运营情况,从对公业务、个人业务、内部员工和财务数据四个方面,运用卷调查、访谈和统计分析的方法切实了解邯郸银行的实际发展情况,找出城市商业银行的发展潜力,分析过程也可以解释一些发展中呈现的问题,为城市商业银行的发展提供大致方向。报告选取包含各种类型的七家商业银行：邯郸银行、河北银行、沧州银行、洛阳银行、北京银行、民生银行、中国建设银行,从各行2012年年度报告中选取基本的财务数据并加以对比分析,财务指标依照报告的需要选取,参照普通企业使用的财务指标并结合银行的特殊性加以改进。经过四方面的分析和比对,报告从两方面得出结论：从软实力来看,邯郸银行推出“夜市银行”,大力减免手续费,惠及客户的同时也提高了企业的市场占有率和知名度,接下来应着重树立形象、打造品牌、提供综合化金融服务、加强内部控制；从硬实力来看,邯郸银行2012年资产规模和利润增长迅速,增长率分别达到61%和38%,但是收入多数来自利息和投资,中间业务收入占比2%,劳动效率和各类银行相比偏低,因此应当在发展规模时同时考虑控制速度、改善盈利结构发展中间业务,并重视人力资源对经营效率的影响。
[Abstract]:Urban commercial banks, which mainly serve small and medium-sized enterprises and communities, are the key and difficult points of financial reform. The healthy development of urban commercial banks is of great significance to the local economy. The function of its support and promotion is reflected in two aspects: first, the city commercial banks hold the information of local enterprises and local economy, and can find the potential small enterprises to give credit support; Second, it is very difficult for large banks to meet the requirements of diversification of service differences in local markets. Small enterprises and individual industrial and commercial households have large financing needs, leaving a broad market for urban commercial banks. As a regional joint-stock commercial bank with Handan city government as its first shareholder, Handan Bank has an asset scale of 50 billion ~ 2011.In 2012, Handan Bank was listed as "the most growing medium and small bank", which is a typical representative of the development of Hebei City Commercial Bank. The report is based on the current situation of the rapid development of the financial market in our country. Through a comprehensive investigation of the development and operation of Handan Bank, the report applies volume surveys from four aspects: public business, personal business, internal staff and financial data. The methods of interview and statistical analysis can understand the actual development situation of Handan Bank and find out the development potential of the city commercial bank. The analysis process can also explain some problems in the development and provide the general direction for the development of the city commercial bank. The report selects seven commercial banks of various types: Handan Bank, Hebei Bank, Cangzhou Bank, Luoyang Bank, Beijing Bank, Minsheng Bank, China Construction Bank, This paper selects the basic financial data from the annual reports of the banks in 2012 and makes a comparative analysis. The financial indicators are selected according to the needs of the reports and are improved by referring to the financial indicators used by ordinary enterprises and combining with the particularity of the banks. After four aspects of analysis and comparison, the report draws a conclusion from two aspects: from the point of view of soft power, Handan Bank launched the "Night Market Bank", which vigorously reduced the handling charges and benefited customers, but also increased the market share and visibility of the enterprises. The next step should be to build up an image, build a brand, provide comprehensive financial services, and strengthen internal controls. In terms of hard power, Handan Bank's assets and profits grew rapidly in 2012. The growth rate was 61% and 38% respectively, but most of the income came from interest and investment, the proportion of intermediate business income was 2%, and the efficiency of labor was low compared with all kinds of banks. Therefore, the speed control should be taken into account in the development of scale. Improve profit structure to develop intermediary business, and attach importance to the impact of human resources on operational efficiency.
【学位授予单位】：河北金融学院
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

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