中国社区银行发展模式研究

发布时间：2018-01-18 10:15

  本文关键词：中国社区银行发展模式研究　出处：《华东师范大学》2016年博士论文　论文类型：学位论文

  更多相关文章： 社区银行 发展模式 经营特征 绩效影响

【摘要】：本文旨在研究具备不同社区银行特征的商业银行在中国经济发展中的作用以及商业银行社区金融发展的模式选择。随着利率市场化的不断推进、多层次资本市场的不断完善和互联网金融的快速发展,中国银行业金融机构面临的经营挑战日趋严峻。在同业间竞争日趋激烈的同时,商业银行盈利增速也在普遍下滑。发展社区银行作为商业银行应对以上挑战、寻找新的业务增长点的重要举措,正得到金融业的广泛关注。论文从社区银行的概念和界定标准出发,对社区银行的核心功能和经营特征进行总结,分析了中国各类银行机构的发展现状,通过运用包括Pearson相关性检验和Granger因果检验在内的实证分析,从促进经济增长、提高就业、提升信贷资源可获得性等角度分别验证不同社区银行经营特征下中国商业银行在宏观领域中的差异化作用。社区银行的模式选择必然要受到外部环境的影响,监管制度、金融脱媒、互联网金融是现阶段三个最重要的影响因素,将影响商业银行的功能定位并导致业务转型。美国、德国、日本等多个国家社区银行的发展实践对我国社区银行模式选择有很好的借鉴意义,通过不同国家的比较分析,社区银行在不同经济环境、地理禀赋、人口结构等要素下呈现不同的发展特点。我国经济总量巨大,幅员辽阔,除区域经济发展不平衡外,我国还要面对居民收入分配不合理、人口结构老龄化等诸多社会问题。论文基于社区银行的核心功能及其在不同国家的发展特点,提出中国可以同时存在两种不同的社区银行发展模式：一种以“本地化+关系化”为主要特征,主要适用于中小型银行；一种以“规模化+交易化”为主要特征,主要适用于大型银行。本文同时从服务网络构建、目标客户定位、负债和资产业务主要构成等几方面对上述两种社区银行发展模式进行了比较分析,证明两种模式各有所长,可以优势互补。论文运用了动态面板模型(Dynamic Panel Model)和对比研究的方式,从银行规模、信贷业务和净息差三要素入手,对两种社区银行发展模式绩效的影响因素展开理论和实证分析。本文研究后判断：中小型社区银行应努力改善信贷业务结构而非提升信贷资产占比；而大型社区银行应着重发展高附加值产品和服务,提高产品渗透率和客户粘性,提升客户的价值贡献度。本文认为,通过借鉴国际成熟社区银行的发展历史和经营经验,结合中国银行业金融机构的历史和现状,在当前经济迈入“新常态”和金融改革加速的大背景下,我国商业银行社区化转型势在必然,在社区化转型模式选择上明确定位,也需要政府部门在监管环境等政策条件上进一步调整。相比于中小型社区银行,规模庞大、安全可靠、渠道便利、综合服务能力较强的中国大型社区银行将更加凸显其在负债结构管理和定价中的优势。在金融脱媒与互联网金融双重影响下,公司客户对于银行服务的依赖度会有所降低,零售信贷业务的重要性日渐上升,提高中间业务收入将成为大型商业银行提高盈利水平的重要措施。
[Abstract]:This paper aims to study the mode with different selection characteristics of Community Bank of commercial bank in Chinese economic development and commercial bank financial community development. With the interest rate market continues to advance, and constantly improve the multi-level capital market and the rapid development of Internet banking, banking financial institutions face China business increasingly challenging. In the increasingly fierce industry at the same time, the commercial bank profit growth also generally decline. The development of community banks as more commercial banks to cope with the challenges, an important measure to find new business growth point, has been widespread concern in the financial industry. The article begins with the concept of community banks and the definition of the core functions and operating characteristics of community banks the summary, analysis of the current development of all banking institutions through the use of China, including Pearson correlation test and Granger causality test An empirical analysis of experience, from promoting economic growth, increase employment, improve credit resource availability aspects verify effect of commercial banks China difference characteristics of different community banks in the macro field. Mode selection of community banks will inevitably be affected by the external environment, regulatory system, financial disintermediation, Internet banking is at this stage, three most important factors, will affect the functional positioning of the commercial banks and lead to business transformation. The United States, Germany, Japan and other countries the practice of the development of community banks is a good reference to our country community bank mode selection, through a comparative analysis of different countries, community banks in different economic environment. The geographical endowment, presents the development characteristics of different population structure and other factors. China's economic output is huge, with a vast territory, in addition to the unbalanced development of regional economy, our country will face The income distribution is not reasonable, many social problems such as population aging. The core function of community bank based on the characteristics and its development in different countries, the Chinese can exist at the same time in two different community bank development patterns: one in "localization + relationship" as the main feature, mainly for small and medium banks; a "scale + transaction" as the main feature, mainly applicable to large banks. At the same time, from the service network construction, target customer positioning, several liabilities and assets of the business is mainly composed of a comparative analysis is made of the two community bank development model, that two models can complement each other. Each one has his good points. This paper using dynamic panel model (Dynamic Panel Model) and the comparative study way, from the size of the bank, credit business and net interest margin of three key elements of two community banks The theoretical and Empirical Analysis on expansion factors development pattern performance. This study judgment: small community banks should improve credit structure and enhance non credit assets; and large community banks should focus on the development of high value-added products and services, improve product penetration rate and customer loyalty, improve customer value contribution. This paper argues that, by drawing on the development history and operating experience of mature international community banks, combined with the history and status quo of China banking financial institutions, in the background of the current economy into the new normal and accelerated "financial reform, the Commercial Bank of our country community transformation is inevitable, in the community transformation mode selection clear positioning also, government departments need further adjustment in terms of regulatory environment policy. Compared to the small community banks, large scale, safe and reliable, convenient channel, comprehensive service The service ability of the Chinese large community banks will become more prominent in the debt structure management and pricing advantage. In the double impact of financial disintermediation and Internet banking, corporate customers for banking services will depend on the reduced importance of retail credit business is on the rise, increase the intermediate business income will become an important measure for large commercial banks to improve the level of profitability.

【学位授予单位】：华东师范大学
【学位级别】：博士
【学位授予年份】：2016
【分类号】：F832.3
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本文编号：1440487