长沙银行社区银行的发展研究及策略建议

发布时间：2018-11-08 12:27

【摘要】：社区银行起源于美国，是一种被美国银行业成功运用的商业银行发展模式。美国的社区银行是一种植根于社区、资产规模较小、主要服务当地居民和中小企业的小型商业银行。而基于我国的经济现状和银行业发展水平，目前我国社区银行的实质是一种依托社区设立的简易型银行网点，服务对象为社区居民，农户和小微企业，相比于传统网点，其经营规模较小，人员配置较精简，服务更加灵活便捷。由于我国各省市地区经济发展水平不同，发展社区银行需要在借鉴西方社区银行建设经验的基础上，制定因地制宜的发展战略，以更好地服务区域经济。本研究将长沙银行作为主要研究对象，借助文献研究法、个案分析法和调查问卷法，分析了长沙银行构建社区银行的市场需求、建设资源及战略定位等因素，并在此基础上为长沙银行社区银行的发展制定了相应的实施策略。首先，本研究从经济原理和实践经验两方面阐述了长沙银行构建社区银行的相关理论。本研究先是运用普惠金融理论、关系型借贷理论和企业竞争基本理论，探讨了社区银行在中国发展的必要性和可行性，再通过分析美国社区银行的普遍发展模式和以北京银行、上海农商行、贵阳银行为代表的我国社区银行发展模式，，为长沙银行社区银行的发展提供了现实的借鉴经验。其次，本研究在概述长沙银行构建社区银行的市场需求后，通过调查目的与调查类型、取样设计与数据采集方法、调查问卷设计、调查成果与讨论等四个步骤，针对实际调查结果进行描述性统计分析，总结得出长沙市社区居民、商户的金融需求以及对长沙银行构建社区银行的态度与期望。再次，本研究通过分析长沙银行构建社区银行的战略资源，从区域定位、功能定位、客户定位及产品定位四方面对长沙银行社区银行的战略定位进行了剖析与阐述。最后，本研究基于上述讨论成果为长沙银行社区银行的发展做出了策略建议，分述为构建策略、管理策略、业务策略和文化策略四个方面，以期为长沙银行构建社区银行提供全面化、科学化的理论支撑和策略参考。
[Abstract]:Community bank originated in America, is a successful commercial bank development model used by American banks. American community bank is a kind of small commercial bank which is rooted in the community and has small assets, mainly serving local residents and small and medium-sized enterprises. Based on the present economic situation and the level of banking development in our country, the essence of the community bank in our country is a kind of simple bank network based on the community, serving the community residents, farmers and small and micro enterprises, compared with the traditional network. Its management scale is smaller, the personnel configuration is simpler, the service is more nimble and convenient. Because the level of economic development in different provinces and cities of China is different, it is necessary to develop community banks on the basis of drawing lessons from the experience of the construction of western community banks, and formulate the development strategy according to the local conditions in order to better serve the regional economy. This study takes Changsha Bank as the main research object, with the help of literature research, case analysis and questionnaire method, analyzes the market demand, construction resources and strategic positioning of Changsha Bank to construct community bank. And on this basis for the development of Changsha Bank Community Bank to formulate the corresponding implementation strategy. First of all, this study expounds the theory of community bank construction in Changsha Bank from the aspects of economic principle and practical experience. This research first uses the inclusive finance theory, the relational loan theory and the enterprise competition basic theory, discusses the community bank development necessity and the feasibility in China, then through the analysis American community bank universal development pattern and the Beijing bank. The development model of community bank represented by Shanghai Agricultural and Commercial Bank and Guiyang Bank provides practical experience for the development of Changsha Bank Community Bank. Secondly, after summarizing the market demand of Changsha Bank to construct the community bank, this study adopts four steps: investigation purpose and survey type, sampling design and data collection method, questionnaire design, survey results and discussion. Based on the descriptive statistical analysis of the actual survey results, this paper summarizes the financial needs of the community residents and merchants in Changsha City, and the attitude and expectation to the Changsha Bank to construct the community banks. Thirdly, by analyzing the strategic resources of Changsha Bank to construct community bank, this paper analyzes and expounds the strategic positioning of Changsha Bank community bank from four aspects: regional positioning, function positioning, customer positioning and product positioning. Finally, based on the above discussion results, the paper makes some suggestions for the development of Changsha Bank Community Bank, including four aspects: construction strategy, management strategy, business strategy and cultural strategy. In order to provide comprehensive and scientific theoretical support and strategic reference for Changsha Bank to build community banks.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.3

【参考文献】