从富国银行探索我国社区银行的蝶变之道

发布时间：2018-10-24 08:58

【摘要】：党的十八届三中全会正式提出了“发展普惠金融,鼓励金融创新,丰富金融市场层次和产品”的经济思想,面对利率市场化的进一步推进、“金融脱媒”日趋严重,依靠对公业务和存贷利差维持生存的银行经营模式将难以为继。银行须改变以往的经营战略,形成由“坐商”到“行商”的改变,以寻求新的利润增长点。由此,社区银行作为金融改革的重要形式站上历史舞台,将颠覆以往粗放型的零售业务经营模式,加速银行业务转型,增加市场竞争力。本文采用对比研究及案例研究方法,首先对美国社区银行的发展现状进行研究,由此引出我国商业银行发展社区银行的必要性。然后探讨和分析美国富国银行发展社区银行业务的成功经验,希望对我国银行提供思路并引起思考。接着对我国股份制商业银行发展社区银行的现状进行深入研究。最后本文结合富国银行的成功经验及我国社区银行的现状,从对我国社区银行的可持续发展路径进行相关探讨。笔者认为,我国股份制商业银行发展社区银行业务,应从商业银行、社区银行和政府三个角度进行努力。在商业银行角度,笔者认为应该重构社区金融组织架构,并做好后台支撑和数据分析及挖掘的同时,做好整体的风险管理和贷后管理;从社区银行视角,做好交叉营销和客户关系管理,并贯彻社区化思维、充分搜集信息,以做到精准营销;从政府角度,金融监管、社会信用和存款保险制度等方面做足努力,为社区银行的生长提供优渥环境。
[Abstract]:The third Plenary session of the 18th CPC Central Committee formally put forward the economic idea of "developing inclusive finance, encouraging financial innovation, enriching financial market levels and products". In the face of the further promotion of marketization of interest rates, "financial disintermediation" is becoming more and more serious. The banking business model, which relies on public business and deposit and loan spreads, will be unsustainable. Banks should change their previous business strategies and form a change from "sitting merchants" to "business operators" in order to seek new profit growth points. Therefore, as an important form of financial reform, community banks stand on the historical stage, will subvert the previous extensive retail business management model, accelerate the banking business transformation, and increase market competitiveness. In this paper, a comparative study and a case study are used to study the current situation of the development of community banks in the United States, which leads to the necessity of developing community banks in China. Then it discusses and analyzes the successful experiences of Wells Fargo Bank of America in developing community banking, hoping to provide some ideas for the banks in China. Secondly, the present situation of developing community banks in stock-holding commercial banks in China is studied in depth. Finally, combining the successful experience of Wells Fargo Bank and the present situation of the community bank in China, this paper discusses the sustainable development path of the community bank in China. The author believes that the development of community banking in joint-stock commercial banks should be done from three angles: commercial banks, community banks and the government. From the perspective of commercial banks, the author thinks that we should reconstruct the community financial organization structure, and do a good job of backstage support and data analysis and mining, at the same time, do a good job of overall risk management and post-loan management; from the perspective of community banking, Do a good job of cross-marketing and customer relationship management, and carry out the community-oriented thinking, fully collect information in order to achieve accurate marketing; from the perspective of the government, financial supervision, social credit and deposit insurance system and other aspects of sufficient efforts, To provide a favourable environment for the growth of community banks.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

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