我国城市商业银行风险问题的跨区域研究

发布时间：2018-01-02 09:47

本文关键词：我国城市商业银行风险问题的跨区域研究　出处：《吉林大学》2014年硕士论文　论文类型：学位论文

【摘要】：近年来我国银行业通过多年不断摸索和努力创新，已然有了长足的发展，特别是城市商业银行更是发展迅速。由城市信用社发展而来的城市商业银行，经过重组和改建如今已经具有一定规模，对整个金融业乃至对整体经济发展有着举足轻重的作用。随着近几年的经济发展和经营规模的扩大，城市商业银行不仅局限于各自的发展区域，跨区经营已经开展。虽然我国城市商业银行发展迅速，已经成为金融体制改革中的重要力量，但是在发展的背后仍有较高的银行风险。本文从区域经济的角度入手，在区域经济的框架下着重分析不同区域内城市商业银行风险的主要类别以及风险成因。通过对大量的数据总结分析，将全国各省份划分为：经济发展发达地区、经济发展中等发达地区和经济发展欠发达地区等三个区域。三个区域不能对每一个省份一一进行分析，通过对有代表性的地区进行总结归纳，，得出三个区域内城市商业银行的主要银行风险各不相同，这使得统一的风险防范机制不适用于不同区域的银行风险，因此就需要根据不同区域的情况分别调整风险管理机制，进行有针对性的控制和防范。本文前三章分别介绍文章的研究意义，银行风险的相关理论，城市商业银行在区域经济中发挥的作用。第四章通过对全国不同区域的划分分别研究不同区域内各个主要风险类型。本文创造性的使城市商业银行风险与区域经济发展相结合，特别对银行风险防范体制进行区域性研究，可以提高风险防控效率。
[Abstract]:In recent years, the banking industry of our country has made great progress through many years of exploration and innovation, especially the city commercial banks, which are developed by the city credit cooperatives. After reorganization and reconstruction, it has a certain scale, which plays an important role in the whole financial industry and even the overall economic development, along with the economic development and the expansion of the scale of operation in recent years. Urban commercial banks are not only limited to their respective development regions, but also cross-regional management has been carried out. Although China's urban commercial banks have developed rapidly, they have become an important force in the reform of the financial system. However, there are still high bank risks behind the development. This paper starts from the angle of regional economy. In the framework of regional economy, the main types and causes of risk of urban commercial banks in different regions are analyzed. Through the summary and analysis of a large number of data, the provinces of China are divided into economically developed areas. Three regions, such as middle developed regions and underdeveloped regions, can not analyze each province one by one, and summarize the representative regions. It is concluded that the main banking risks of urban commercial banks in the three regions are different, which makes the unified risk prevention mechanism not suitable for different regions of the bank risk. Therefore, it is necessary to adjust the risk management mechanism according to the situation of different regions, and carry out targeted control and prevention. The first three chapters of this paper respectively introduce the research significance of the article, the relevant theory of bank risk. The role of urban commercial banks in regional economy. Chapter 4th studies the main risk types in different regions through the division of different regions of the country. This paper creatively makes the risk of urban commercial banks and regional economy. Combination of economic development. Especially the regional research on the risk prevention system of banks can improve the efficiency of risk prevention and control.
【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】：F832.33

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