新形势下我国城市商业银行战略转型研究

发布时间：2018-05-28 05:30

本文选题：城市商业银行 + 战略转型　；参考：《天津财经大学》2014年硕士论文

【摘要】：我国的城市商业银行是在特殊金融机制背景下产生的,在几十年的发展过程中,不断改革,取得了众多阶段性的成果。截至2012年年末,我国城市商业银行共有144家,资产总额为12.35亿元,负债总额为11.54亿元,资产和负债总额占银行业金融机构总资产和总负债的比重均为9.24%。我国城市商业银行取得阶段性的成果,离不开监管政策的引领推动、地方政府的大力支持和城市商业银行自身艰辛的付出等多方面的努力,涌现了一大批经营状况良好,盈利能力较强的优秀银行,如北京银行、南京银行、宁波银行等,进一步完善了我国的金融市场体系。虽然我国城市商业银行的发展取得优异的成绩,但是仍有诸多问题尚未解决。如历史遗留的不良资产率居高不下、产权结构不合理、股东结构单一、信息化建设程度不高等问题,一直制约着我国城市商业银行的进一步发展。与国有商业银行及股份制商业银行相比,综合竞争实力严重不足,规模扩张能力较弱。另一方面,世界经济进入深度转型调整期,我国的金融改革又进入关键时期,随着利率市场化的全面推进,中国银行业必将面临新的发展拐点。作为地方金融机构的重要成员,我国的城市商业银行在国内外新的金融形势下,面对利率市场化的持续推进、“金融脱媒”现象的不断显现、同业竞争的不断加剧以及互联网金融快速发展的冲击,战略转型之路迫在眉睫。本文通过分析我国城市商业银行的发展与演变历程,借鉴国内外中小商业银行的成功实践经验,探索我国城市商业银行的转型发展之路,具有一定的理论和现实意义。全文共有五部分：第一部分为导论,主要介绍了本文的研究目的、国内外的研究概况以及研究思路和方法；第二部分对我国城市商业银行的战略转型进行了基本的分析；第三部分,对我国城市商业银行的历史沿革以及现状进行了研究；第四部分,总结了国内外中小商业银行的成功发展经验；第五部分,提出对我国城市商业银行战略转型的建议及对策。
[Abstract]:The city commercial banks of our country are produced under the background of special financial mechanism. In the course of several decades' development, the city commercial banks have been reformed constantly and made many achievements in stages. By the end of 2012, there were 144 urban commercial banks in China, with total assets of 1.235 billion yuan and total liabilities of 1.154 billion yuan. The proportion of assets and liabilities to the total assets and liabilities of banking financial institutions was 9.24 yuan. The city commercial bank of our country obtains the stage achievement, cannot leave the supervision policy leading to push, the local government vigorously supports and the city commercial bank oneself hard pay and so on many aspects efforts, has sprung up a large number of management condition to be good. Excellent banks with strong profitability, such as Bank of Beijing, Bank of Nanjing, Bank of Ningbo and so on, have further improved our financial market system. Although the development of city commercial banks in China has made outstanding achievements, there are still many problems to be solved. For example, the high rate of non-performing assets left over by history, the unreasonable structure of property rights, the single structure of shareholders and the low level of information construction have been restricting the further development of urban commercial banks in China. Compared with state-owned commercial banks and joint-stock commercial banks, the comprehensive competitive strength is seriously insufficient and the ability of scale expansion is weak. On the other hand, the world economy has entered the period of deep transformation and adjustment, and China's financial reform has entered a critical period. With the overall promotion of interest rate marketization, China's banking industry is bound to face a new development inflection point. As an important member of the local financial institutions, under the new financial situation at home and abroad, the city commercial banks of our country are facing the continuous promotion of the marketization of interest rates, and the phenomenon of "financial disintermediation" is constantly appearing. With the aggravation of interbank competition and the impact of the rapid development of Internet finance, the road of strategic transformation is imminent. This paper analyzes the development and evolution of urban commercial banks in China, draws on the successful practical experience of small and medium-sized commercial banks at home and abroad, and explores the road of transformation and development of urban commercial banks in China, which has certain theoretical and practical significance. There are five parts in this paper: the first part is the introduction, which mainly introduces the research purpose, the domestic and foreign research situation, the research thought and the method, the second part has carried on the basic analysis to the strategic transformation of the city commercial bank of our country; The third part studies the history and present situation of the city commercial banks in our country; the fourth part summarizes the successful development experience of the small and medium-sized commercial banks at home and abroad; the fifth part, This paper puts forward some suggestions and countermeasures for the strategic transformation of urban commercial banks in China.
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33;F272

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