發(fā)布時(shí)間：2018-05-03 12:17

  本文選題：城市商業(yè)銀行 + 跨區(qū)域發(fā)展��； 參考：《山東大學(xué)》2012年碩士論文

【摘要】：城市商業(yè)銀行是我國(guó)金融系統(tǒng)的重要組成部分,它的健康快速發(fā)展將有利于為我國(guó)經(jīng)濟(jì)發(fā)展提供更好的服務(wù)。但其發(fā)展之路并不順利,圍繞跨區(qū)域擴(kuò)張的利與弊、速度與規(guī)模、具體模式,學(xué)界與業(yè)界展開了激烈的爭(zhēng)論。監(jiān)管當(dāng)局的態(tài)度也是在不斷變化中：“限制——有管制的放開——推動(dòng)——叫�！�,似乎在經(jīng)歷了2006-2010五年的摸索,城市商業(yè)銀行的發(fā)展又回到了起點(diǎn)。 理論的探究,將有利于透過城市商業(yè)銀行快速跨區(qū)域擴(kuò)張的表象,尋找其“跑馬圈地”的真實(shí)動(dòng)機(jī)與潛在隱患,但不足以讓我們公平客觀地評(píng)價(jià)其對(duì)自身以及對(duì)宏觀經(jīng)濟(jì)的影響；案例的分析,將有利于觀察具體銀行的擴(kuò)張軌跡,探究作為獨(dú)立但又同時(shí)受到政府股東控制的法人個(gè)體的擴(kuò)張路徑,但不能以一概全的放之于不同規(guī)模、不同股權(quán)結(jié)構(gòu)、不同治理水平的所有城市商業(yè)銀行；引入美國(guó)取消銀行跨州經(jīng)營(yíng)限制,能為我們城市商業(yè)銀行跨區(qū)域擴(kuò)張?zhí)峁┮粋�(gè)重要的參照,但必須考慮各自銀行體系的特殊性。經(jīng)歷了五年的快速擴(kuò)張,我們對(duì)這個(gè)問題的探討一直沒有停止,理論探究的文章浩如煙海,利弊爭(zhēng)議、模式選擇、管理隱憂可謂見仁見智；案例分析更是涉及不同規(guī)模、不同模式、不同管理水平的各類城市商業(yè)銀行,專家學(xué)者從各自角度開出處方；借鑒美國(guó)銀行的發(fā)展路徑、引入社區(qū)銀行的發(fā)展模式,提出城市商業(yè)銀行應(yīng)該回歸“立足地方,立足市民,立足中小企業(yè)”的初始定位。但作為五年發(fā)展的總結(jié),我們應(yīng)該用數(shù)據(jù)對(duì)跨區(qū)域發(fā)展對(duì)其自身、對(duì)金融體系、甚至對(duì)經(jīng)濟(jì)發(fā)展的影響做一客觀公正的評(píng)價(jià),更重要的對(duì)此后的發(fā)展提供一些有意義的探索�？上�,現(xiàn)在這一類文獻(xiàn)并不多見,本文所嘗試做的正是如此。 本文首先闡述2006-2010城市商業(yè)銀行快速擴(kuò)張的五年所取得的巨大成就以及凸顯的一系列問題,然后引出人們對(duì)于這一問題存在的巨大爭(zhēng)議。本文將不限于對(duì)爭(zhēng)議和建議的羅列,分析城市商業(yè)銀行跨區(qū)域經(jīng)營(yíng)的影響因素有助于解答積極參與到區(qū)域擴(kuò)張的銀行特點(diǎn),有利于對(duì)人們所爭(zhēng)議的其不顧自身規(guī)模和管理水平而進(jìn)行的盲目擴(kuò)張給予公正評(píng)價(jià)；分析跨區(qū)域經(jīng)營(yíng)的不同因素對(duì)其績(jī)效和風(fēng)險(xiǎn)的影響,有助于理解其擴(kuò)張動(dòng)機(jī),有助于理解不同城市商業(yè)銀行趨同的擴(kuò)張路徑；分析城市商業(yè)銀行的擴(kuò)張路徑,有助于理解其扎堆于東部沿海地區(qū)與發(fā)達(dá)城市；分析對(duì)金融體系和經(jīng)濟(jì)發(fā)展的影響反映了城市商業(yè)銀行跨區(qū)域擴(kuò)張的外部性,是我們必須認(rèn)真面對(duì)的問題,更重要的讓我們不會(huì)因?yàn)榕及l(fā)的金融案件而否定其積極作用；城市商業(yè)銀行要快速發(fā)展,像前五年一樣快速擴(kuò)張的外部經(jīng)濟(jì)環(huán)境、國(guó)家宏觀政策都很難復(fù)制,需要精耕細(xì)作并逐漸向充滿活力又缺乏相應(yīng)金融服務(wù)的縣域經(jīng)濟(jì)擴(kuò)張,為此本文做了詳細(xì)的SWOT分析,指出其大有可為。這些是本文的核心,也是本文所力爭(zhēng)解決的問題。 本文在研究方法方面,描述性分析與數(shù)量分析的綜合應(yīng)用讓我們對(duì)城市商業(yè)銀行跨區(qū)域經(jīng)營(yíng)的動(dòng)機(jī)、對(duì)自身的影響以及外部性有了較為深刻的認(rèn)識(shí)；引入四家全國(guó)性股份制商業(yè)銀行,表明城市商業(yè)銀行具有銀行的共性而又有本身的特點(diǎn),為我們提出縣域擴(kuò)張的發(fā)展戰(zhàn)略提供依據(jù)；動(dòng)態(tài)研究與靜態(tài)研究的綜合應(yīng)用,還原城市商業(yè)銀行不同發(fā)展階段的特點(diǎn),更有利于我們對(duì)其進(jìn)行客觀公正評(píng)價(jià)。
[Abstract]:The city commercial bank is an important part of China's financial system. Its rapid development will be beneficial to providing better service for the economic development of our country. However, the road of development is not smooth. There is a fierce debate about the advantages and disadvantages of the trans regional expansion, the speed and scale, the specific mode, the academic circle and the industry, and the attitude of the regulatory authorities. It is in constant change: "restriction - controlled release - push - stop", it seems that after 2006-2010 and five years' groping, the development of urban commercial banks is back to the starting point.
The exploration of the theory will be conducive to the rapid and trans regional expansion of urban commercial banks, looking for the real motivation and potential hidden dangers of the "running horse circle", but it is not enough to let us objectively evaluate its impact on itself and on the macro-economy. The analysis of the case will be beneficial to the observation of the expansion of specific banks and to explore the work. The individual's expansion path, which is independent but controlled by the government shareholders at the same time, can not be completely put on all urban commercial banks with different size, different ownership structure and different level of governance, and the introduction of the United States to cancel the bank's cross state restriction can provide an important part of the trans regional expansion of our city commercial banks. Reference, but we must consider the particularity of the respective banking system. After five years of rapid expansion, we have not stopped the discussion of this problem. The articles of theoretical inquiry are so vast, the advantages and disadvantages, the choice of patterns, and the problems of management are different, and the case analysis involves different scales, different patterns, and different management levels. All kinds of urban commercial banks, experts and scholars prescribe their prescriptions from their respective angles. Drawing on the development path of the Bank of America and introducing the development model of community banks, it is suggested that the city commercial banks should return to the initial positioning of "based on the local, based on the citizens and based on small and medium enterprises". But for the summary of the five year development, we should use the data to cross the region. The development of the domain is an objective and impartial evaluation of its own, the financial system, and even the impact on the economic development. It is more important to provide some meaningful exploration for the development after this. Unfortunately, this kind of literature is not very common now. This is what this article is trying to do.
This paper first expounds the great achievements and a series of problems in the five years of the rapid expansion of the 2006-2010 city commercial banks, and then leads to the great controversy about the problem. This article will not be limited to the list of disputes and suggestions, and the analysis of the factors affecting the cross regional operation of urban commercial banks will help to solve the product. It is helpful to understand the impact of different factors of cross regional management on their performance and risk. It helps to understand their expansion motivation and help to understand the convergence of commercial banks in different cities. The expansion path, the analysis of the expansion path of urban commercial banks, helps to understand its accumulation in the eastern coastal areas and the developed cities; the analysis of the impact of the financial system and economic development reflects the externality of the urban commercial banks' trans regional expansion, which we must seriously face and, more importantly, let us not be incidental. The financial case negates its positive role; the city commercial bank needs rapid development, as fast as the previous five years, the rapid expansion of the external economic environment, the national macro policies are difficult to replicate, and need intensive cultivation and gradual expansion to the county economy full of vitality and lack of corresponding financial services. This paper has done a detailed SWOT analysis and pointed out that These are the core of this article and the problems that this article strives to solve.
In this paper, the comprehensive application of descriptive analysis and quantitative analysis gives us a more profound understanding of the motivation of the trans regional business of urban commercial banks, their own influence and the externality, and the introduction of four national joint-stock commercial banks to show that the commercial banks of the city have the commonness of the banks and their own. It provides the basis for the development strategy of the county expansion, the comprehensive application of dynamic research and static research, and the characteristics of the different development stages of the city commercial banks, which is more conducive to the objective and impartial evaluation of the development of the city commercial banks.

【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.3

【引證文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前1條

1 何雯潔;蘭州銀行跨區(qū)域發(fā)展戰(zhàn)略研究[D];蘭州大學(xué);2013年

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本文編號(hào)：1838450