中美中小商业银行对比研究
发布时间：2018-08-20 20:18
【摘要】：中国经济机构调整进入深水区,信贷资产的安全性降低,行业竞争使得利差收窄的情况下,中国中小商业银行的改革创新应该进入全面风险管理时代,初步涉及金融数模管理。美国的金融创新与资金业务早已发展到白热化程度,对美国的中小商业银行来说,回归传统,重新挖掘传统业务,这会催生出金融数模管理时代。 全文分为六个部分,第一部分是导论,在介绍论文背景及研究的意义的基础上,梳理了相关文献,介绍了本文的最后指出了研究中的创新与不足。 第二部分是中美商业银行发展历程,该部分在对比分析中美金融业发展历史的基础上,重点研究了中美中小商业银行的发展历程,从比较中发现两国之间的相同相异之处。 第三部分是美国监管历程及中国借鉴,基于对美国监管历程与环境研究,总结指出美国监管机构的历史进程对我国监管的启示,即中国应建立健全符合我国国情的商业银行监管体系,同时应进一步提高商业银行监管的水平和效率。 第四部分是中美中小商业银行发展现状对比分析及启示,基于中美中小商业银行发展现状比较分析,指出美国经验对我国中小商业银行发展的启发与借鉴主要体现在在当今存款利率准备开放的政策前,我国中小银行如何在日益收窄的息差面前定位和发展,美国的中小银行一路走过来的发展经历应该能够给予我们的其它启示。 第五部分是本文观点的核心部分,即是中国中小商业银行改革思路。初层级：进入经济利润增加值管理时代；中层级：进入全面风险管理时代；高层级：进入金融数模管理时代；银行配套监管建策--适度竞争、适度开放原则。 当前,很多股份制商业银行及部分地方商业银行的经营理念已经从盲目追求规模转变为追求利润,银行运营的落脚点仅落在利润上,具体可以用一个考核EVA(经济增加值)系统来实现。 而全面风险管理是资产负债管理的升级版,其将表外风险业务纳入到资产负债管理内,提高资金业务在银行内提纲挈领的调度作用。 金融数模管理是在商业银行管理模式的初、中层次完善基础上建立。各种金融要素均可以形成交互式风险矩阵进行数值化模型处理。 使用数模管理,将银行内每一寸资源数值化折算进数据模型中,并且涵盖了银行内每个部门每一寸资源的使用,无缝集成,无一遗漏,可将资金使用率与周转率通过机器计算达到最优化。 而中国的监管也不能只注重其一不关联其二,如果监管没有连环拳,仅仅是开放了存贷款利率的话,将会给中国中小商业银行带来毁灭性打击。 第六部分便是研究结论及展望,对中国中小商业银行的展望是进入全面风险管理时代,初步涉及数模管理；对美国中小银行发展的展望是进入金融数模管理时代。
[Abstract]:With the adjustment of Chinese economic institutions into the deep water area, the decrease of the security of credit assets and the narrowing of trade competition, the reform and innovation of small and medium-sized commercial banks in China should enter the era of comprehensive risk management, which initially involves financial digital-analog management. The financial innovation and capital business in the United States has already developed to a white-hot degree. For the small and medium-sized commercial banks in the United States, returning to the tradition and rediscovering the traditional business will give birth to the era of financial digital-analog management. The paper is divided into six parts. The first part is the introduction. On the basis of introducing the background of the thesis and the significance of the research, this paper combs the relevant literature, and introduces the innovation and deficiency in the research. The second part is the development course of Chinese and American commercial banks. On the basis of comparative analysis of the development history of Chinese and American financial industry, this part focuses on the development process of small and medium-sized commercial banks in China and the United States, and finds out the similarities and differences between the two countries. The third part is the American regulatory process and China's reference, based on the regulatory process and environmental studies in the United States, summed up and pointed out that the historical process of the United States regulatory institutions for China's regulatory enlightenment. That is to say, China should establish and perfect the supervision system of commercial banks in accordance with the national conditions of our country, at the same time, we should further improve the level and efficiency of the supervision of commercial banks. The fourth part is a comparative analysis of the development situation of small and medium-sized commercial banks in China and the United States, based on the comparative analysis of the current development situation of small and medium-sized commercial banks in China and the United States. It is pointed out that the enlightenment and reference of American experience to the development of small and medium-sized commercial banks in China are mainly reflected in how to position and develop the small and medium-sized banks in China in the face of the narrowing interest margin before the policy of preparing for the opening of deposit interest rates. The experience of small and medium-sized American banks should give us other lessons. The fifth part is the core of this paper, that is, the reform of small and medium-sized commercial banks in China. Junior level: entering the era of economic profit added value management; middle level: entering the era of comprehensive risk management; high level: entering the era of financial digital-analog management; At present, the business philosophy of many joint-stock commercial banks and some local commercial banks has changed from blindly pursuing scale to pursuing profits. Specific can be used to assess the EVA (Economic value added) system to achieve. Comprehensive risk management is an upgrade version of asset liability management, which brings risk business out of balance sheet into asset liability management, and improves the role of capital business in the regulation of bank. Financial digital-analog management is established on the basis of the initial and middle-level perfection of commercial bank management model. Various financial elements can form an interactive risk matrix for numerical model processing. Using digital and analog management, every inch of resources in the bank is numerically converted into the data model, and it covers the use of every inch of resources in every department of the bank. The utilization rate and turnover rate of funds can be optimized by machine calculation. China's regulation should not only focus on one and the other, if regulation does not have a chain of fists, simply opening deposit and loan interest rates, will be a devastating blow to China's small and medium-sized commercial banks. The sixth part is the conclusion and prospect of the research. The prospect of the small and medium-sized commercial banks in China is to enter the era of comprehensive risk management, which involves the digital and analog management, and the prospect of the development of the small and medium-sized banks in the United States is to enter the era of financial digital and analog management.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F837.12;F832.33
本文编号：2194872
[Abstract]:With the adjustment of Chinese economic institutions into the deep water area, the decrease of the security of credit assets and the narrowing of trade competition, the reform and innovation of small and medium-sized commercial banks in China should enter the era of comprehensive risk management, which initially involves financial digital-analog management. The financial innovation and capital business in the United States has already developed to a white-hot degree. For the small and medium-sized commercial banks in the United States, returning to the tradition and rediscovering the traditional business will give birth to the era of financial digital-analog management. The paper is divided into six parts. The first part is the introduction. On the basis of introducing the background of the thesis and the significance of the research, this paper combs the relevant literature, and introduces the innovation and deficiency in the research. The second part is the development course of Chinese and American commercial banks. On the basis of comparative analysis of the development history of Chinese and American financial industry, this part focuses on the development process of small and medium-sized commercial banks in China and the United States, and finds out the similarities and differences between the two countries. The third part is the American regulatory process and China's reference, based on the regulatory process and environmental studies in the United States, summed up and pointed out that the historical process of the United States regulatory institutions for China's regulatory enlightenment. That is to say, China should establish and perfect the supervision system of commercial banks in accordance with the national conditions of our country, at the same time, we should further improve the level and efficiency of the supervision of commercial banks. The fourth part is a comparative analysis of the development situation of small and medium-sized commercial banks in China and the United States, based on the comparative analysis of the current development situation of small and medium-sized commercial banks in China and the United States. It is pointed out that the enlightenment and reference of American experience to the development of small and medium-sized commercial banks in China are mainly reflected in how to position and develop the small and medium-sized banks in China in the face of the narrowing interest margin before the policy of preparing for the opening of deposit interest rates. The experience of small and medium-sized American banks should give us other lessons. The fifth part is the core of this paper, that is, the reform of small and medium-sized commercial banks in China. Junior level: entering the era of economic profit added value management; middle level: entering the era of comprehensive risk management; high level: entering the era of financial digital-analog management; At present, the business philosophy of many joint-stock commercial banks and some local commercial banks has changed from blindly pursuing scale to pursuing profits. Specific can be used to assess the EVA (Economic value added) system to achieve. Comprehensive risk management is an upgrade version of asset liability management, which brings risk business out of balance sheet into asset liability management, and improves the role of capital business in the regulation of bank. Financial digital-analog management is established on the basis of the initial and middle-level perfection of commercial bank management model. Various financial elements can form an interactive risk matrix for numerical model processing. Using digital and analog management, every inch of resources in the bank is numerically converted into the data model, and it covers the use of every inch of resources in every department of the bank. The utilization rate and turnover rate of funds can be optimized by machine calculation. China's regulation should not only focus on one and the other, if regulation does not have a chain of fists, simply opening deposit and loan interest rates, will be a devastating blow to China's small and medium-sized commercial banks. The sixth part is the conclusion and prospect of the research. The prospect of the small and medium-sized commercial banks in China is to enter the era of comprehensive risk management, which involves the digital and analog management, and the prospect of the development of the small and medium-sized banks in the United States is to enter the era of financial digital and analog management.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F837.12;F832.33
【共引文献】
相关期刊论文 前3条
1 李奋进;;浅析扩大投资品种后的企业年金资产配置[J];企业技术开发;2014年11期
2 沈旭峰;;浙江省商业银行核心竞争力分析[J];市场周刊(理论研究);2014年07期
3 马闯;;从互联网金融的兴起浅谈商业银行的未来出路[J];特区经济;2014年11期
相关博士学位论文 前1条
1 宋翠玲;银行业开放对银行竞争力影响的实证研究[D];苏州大学;2013年
相关硕士学位论文 前10条
1 谢云;DY银行西安分行竞争力研究[D];西北大学;2013年
2 张丽丽;利益相关者视角下包头CS银行企业社会责任研究[D];内蒙古科技大学;2013年
3 罗艺;招商银行会计业务流程再造研究[D];湖南大学;2013年
4 张林艳;中美大型商业银行竞争力比较[D];厦门大学;2014年
5 周长贵;民生银行与兴业银行财务绩效、财务政策及财务战略分析[D];厦门大学;2014年
6 朱圣高;建设银行台州分行竞争力研究[D];宁波大学;2013年
7 高建;安徽长丰科源村镇银行可持续发展研究[D];安徽大学;2014年
8 冯青双;关于我国商业银行终极股权结构的研究[D];吉林大学;2014年
9 彭福;我国银行理财产品的监管研究[D];浙江大学;2014年
10 李瑶;我国商业银行结构性理财产品设计研究[D];新疆财经大学;2014年
，本文编号：2194872
本文链接：https://www.wllwen.com/jingjilunwen/guojijinrong/2194872.html
