我国城市商业银行跨区域发展问题研究
发布时间：2018-10-12 19:18
【摘要】：城市信用社进行改制成为城市商业银行的根本原因,是为了化解我国城市信用社时期积累起来的大量的金融风险,监管机构从风险防范的角度考虑从而确定了“为地方经济的发展服务,为地方的企业和居民服务”的经营理念和方针。由于城市商业银行的基础不好,历史遗留问题非常严重,前期的不良资产的问题也随之转移到城市商业银行上,这些不足再加上监管部门的限制也就注定了城市商业银行在初期不具备跨区域发展的实力；伴随着城市商业银行自身实力不断壮大,资产规模也较以前有了巨大的提高,竞争力明显增强,这时单一城市制经营的弊端也就开始显现,城市商业银行的客户服务能力由于受到业务开展地域的限制,使它在激烈的市场竞争中处于非常不利的地位,致使它存在着非常大的系统性风险；另一方面中小企业融资难的问题依然严重,有着强烈的资金需求,而跨区域发展无疑是这两大问题解决的关键。但在跨区域发展的过程之中,城市商业银行也暴露出其风险控制不足,盲目设立异地分支机构,管理体系混乱等问题,各种风险也随之产生。 本文在研究方法上采取的是规范分析法和对比分析法,从介绍城市商业银行跨区域发展的各种理论基础开始,解读其选择跨区域发展的各种原因,也详细地介绍了城市商业银行各个时期发展历程以及跨区域发展的现状,分析了城市商业银行进行跨区域发展的各种模式,进行实例论证说明并结各个模式之间的优劣势,得出跨区域发展的具体成效。通过案例分析发现跨区域发展存在的问题以及产生问题的原因,总结出我国城市商业银行跨区域发展的经验,选择出适合我国城市商业银行跨区域发展的模式,同时对我国城市商业银行跨区域发展产生的问题提出具体的对策和措施。
[Abstract]:The reform of urban credit cooperatives has become the fundamental cause of urban commercial banks, in order to resolve the accumulated financial risks accumulated during the period of urban credit cooperatives in China. From the point of view of risk prevention, the supervision institution has determined the management idea and policy of "serving for the development of local economy, serving local enterprises and residents". As the foundation of urban commercial banks is not good, the problems left over by history are very serious, and the problems of non-performing assets in the preceding period have also been transferred to urban commercial banks. These deficiencies and regulatory restrictions have doomed the city commercial banks not to have the strength of cross-regional development in the initial period; with the city commercial banks' own strength growing, the assets scale has also been greatly improved. The competitiveness is obviously strengthened, and then the malpractice of single city management begins to appear. The customer service ability of the city commercial bank is restricted by the region of business development, which makes it in a very disadvantageous position in the fierce market competition. On the other hand, the problem of financing difficulties of SMEs is still serious, there is a strong demand for funds, and cross-regional development is undoubtedly the key to solve these two problems. However, in the process of cross-regional development, urban commercial banks also exposed the lack of risk control, blindly set up branches in different places, management system confusion and other problems, and all kinds of risks also emerged. In this paper, normative analysis and comparative analysis are adopted in the research methods, starting with the introduction of various theoretical bases of cross-regional development of urban commercial banks, the reasons for their choice of cross-regional development are explained. It also introduces in detail the development course of each period of city commercial bank and the present situation of cross-regional development, analyzes the various modes of cross-regional development of city commercial bank, and demonstrates the merits and demerits of each model by an example. The concrete effect of cross-regional development is obtained. Through the case analysis, we find the problems existing in the cross-regional development and the causes of the problems, sum up the experience of cross-regional development of China's urban commercial banks, and choose the model suitable for the cross-regional development of our country's urban commercial banks. At the same time, the paper puts forward specific countermeasures and measures to the problems arising from the cross-regional development of urban commercial banks in China.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33
本文编号：2267304
[Abstract]:The reform of urban credit cooperatives has become the fundamental cause of urban commercial banks, in order to resolve the accumulated financial risks accumulated during the period of urban credit cooperatives in China. From the point of view of risk prevention, the supervision institution has determined the management idea and policy of "serving for the development of local economy, serving local enterprises and residents". As the foundation of urban commercial banks is not good, the problems left over by history are very serious, and the problems of non-performing assets in the preceding period have also been transferred to urban commercial banks. These deficiencies and regulatory restrictions have doomed the city commercial banks not to have the strength of cross-regional development in the initial period; with the city commercial banks' own strength growing, the assets scale has also been greatly improved. The competitiveness is obviously strengthened, and then the malpractice of single city management begins to appear. The customer service ability of the city commercial bank is restricted by the region of business development, which makes it in a very disadvantageous position in the fierce market competition. On the other hand, the problem of financing difficulties of SMEs is still serious, there is a strong demand for funds, and cross-regional development is undoubtedly the key to solve these two problems. However, in the process of cross-regional development, urban commercial banks also exposed the lack of risk control, blindly set up branches in different places, management system confusion and other problems, and all kinds of risks also emerged. In this paper, normative analysis and comparative analysis are adopted in the research methods, starting with the introduction of various theoretical bases of cross-regional development of urban commercial banks, the reasons for their choice of cross-regional development are explained. It also introduces in detail the development course of each period of city commercial bank and the present situation of cross-regional development, analyzes the various modes of cross-regional development of city commercial bank, and demonstrates the merits and demerits of each model by an example. The concrete effect of cross-regional development is obtained. Through the case analysis, we find the problems existing in the cross-regional development and the causes of the problems, sum up the experience of cross-regional development of China's urban commercial banks, and choose the model suitable for the cross-regional development of our country's urban commercial banks. At the same time, the paper puts forward specific countermeasures and measures to the problems arising from the cross-regional development of urban commercial banks in China.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33
【引证文献】
相关硕士学位论文 前6条
1 冷泽宇;九台农商银行发展战略研究[D];吉林大学;2016年
2 孙晓麒;我国城市商业银行跨区域经营问题研究[D];暨南大学;2016年
3 李子飞;GXBBW银行发展战略研究[D];广西大学;2016年
4 黄卫琼;我国城市商业银行跨区域经营模式问题研究[D];暨南大学;2015年
5 彭楚帆;跨区域经营下城市商业银行效率研究[D];湖南师范大学;2015年
6 汪春阳;我国城市商业银行跨区域经营效率评价[D];山东财经大学;2015年
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