湘潭BXJY社区银行发展对策研究

发布时间：2018-05-30 19:51

本文选题：社区银行 + 银行转型　；参考：《湘潭大学》2017年硕士论文

【摘要】：随着我国经济改革重心的逐步转移,中小企业的健康发展和居民的金融需求也得到越来越多的关注。但近年来,我国银行业结构几乎趋近于完善,其中包含有5家国有商业银行、12家股份制商业银行、城市商业银行以及农村金融机构等,唯独社区银行的实践和发展经验少之又少。我国的社区银行是指在城市内部社区中开设,旨在为社区内部主体提供个性化、特色化金融服务的银行网点。社区银行作为弥补个人和中小企业短期融资以及金融需求的银行机构,银行业也将其纳入发展战略,研究其在发展中的存在问题具有现实意义。我国有关社区银行发展和实践时间较短,而美国富国社区银行从1852年成立至今,作为全球发展最为成功的社区银行,拥有着诸多的成功发展经验,也正是这些经验让其安然度过金融危机并获得了长足发展。结合我国社区银行的实际发展情况,总结筛选出适用于我国发展的成功经验,并将其充分利用,具有重大现实意义。文章从社区银行的概念界定入手,对国外与国内学者对社区银行的界定进行介绍,并回顾了国内外有关社区银行发展的研究成果。与此同时,基于湘潭BXJY社区银行这个具体案例,对其客户群体和业务种类等进行介绍和总结,并分析其经营状况,发现其存在主营业务增长速度大幅下降及盈利水平低下等现象。随之针对其问题进行展开分析,如:对中小企业目标群体开发力度薄弱、理财产品设计缺乏特色及团队专业化程度低等。然后,再结合富国社区银行的适用于湘潭BXJY社区银行的成功发展经验,如其专注于小微企业业务和注重电子渠道的配合。最终探讨出符合其实际情况的正确发展方向,提出重视中小企业目标群体,提升团队专业化程度,多维渠道配合多层营销等针对社区银行的发展建议,希望能对我国银行转型与社区银行的发展起到一定帮助,从而促进我国银行业的健康可持续发展。文章具有一定的现实意义,主要体现在从社区银行自身角度出发,将湘潭BXJY社区银行与美国富国社区银行进行比较分析,总结筛选出适用于其的成功经验并进行借鉴,从而促进我国社区银行的发展。在今后的学习和工作中本人也将不断进行跟进和完善。
[Abstract]:With the gradual shift of economic reform in China, the healthy development of small and medium-sized enterprises and the financial needs of residents have been paid more and more attention. However, in recent years, the banking structure of our country has almost come to perfection, including 5 state-owned commercial banks, 12 joint-stock commercial banks, urban commercial banks and rural financial institutions, etc. Only the community bank practice and development experience is very little. The community bank in our country refers to the bank network which is set up in the city interior community to provide individualized and characteristic financial service for the main body of the community. As a banking institution to make up for the short-term financing and financial needs of individuals and small and medium-sized enterprises, community banks are also included in the development strategy. It is of practical significance to study the existing problems in the development of community banks. The development and practice of community banks in China is relatively short. Since its establishment in 1852, the Community Bank of America has been the most successful community bank in the world, and has a lot of successful development experiences. It is these experiences that have enabled it to ride out the financial crisis and make great strides. It is of great practical significance to sum up and screen out the successful experiences suitable for the development of our country and make full use of them in combination with the actual development situation of the community banks in our country. Starting with the definition of community bank, this paper introduces the definition of community bank by foreign and domestic scholars, and reviews the research results of community bank development at home and abroad. At the same time, based on the specific case of Xiangtan BXJY Community Bank, this paper introduces and summarizes its customer groups and business types, and analyzes its management situation. Found that its main business growth rate decreased significantly and low profit level and other phenomena. Then the problems are analyzed, such as the weak development of the target group of SMEs, the lack of characteristics in the design of financial products and the low degree of specialization of the team. Then, combining with the successful development experience of Wells Fargo Community Bank suitable for Xiangtan BXJY Community Bank, such as its focus on small and micro enterprise business and the cooperation of electronic channel. Finally, it discusses the correct direction of development in line with its actual situation, and puts forward some suggestions for the development of community banks, such as paying attention to the target groups of small and medium-sized enterprises, enhancing the specialization of the team, coordinating multi-dimensional channels with multi-level marketing, and so on. It is hoped that it will help the transformation of Chinese banks and the development of community banks so as to promote the healthy and sustainable development of China's banking industry. This paper has some practical significance, mainly reflected in the analysis of Xiangtan BXJY Community Bank and the American Rich country Community Bank from the perspective of community bank itself, and summed up and screened out the successful experience suitable for it and used it for reference. So as to promote the development of community banks in China. In the future study and work, I will continue to follow up and improve.
【学位授予单位】：湘潭大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.3

【参考文献】