本文關(guān)鍵詞：我國商業(yè)銀行經(jīng)營模式轉(zhuǎn)型的探討　出處：《吉林大學》2013年碩士論文　論文類型：學位論文

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【摘要】：中國于2001年11月10日正式加入世貿(mào)組織。五年過后，很多外資銀行在我國S蔚孟嗟鵲匚緩橢泄桃狄姓箍侵�。外资进葨V諧。諧』降奶嶸�，都能够促使我国商业银行峨s誥苤品矯嫻牟蝗范ㄐ源幼縈牒嵯蚍矯娼徊皆鑾俊Ｖ蠾商業(yè)銀行需要應(yīng)對強勁的挑戰(zhàn)。我們可以發(fā)現(xiàn)一個標志性的案例就是，在此年的3月，愛立信南京企業(yè)把它的貸款從中國商業(yè)銀行南京分行轉(zhuǎn)存了才邁向中國市場花旗銀行。我們把此項舉動叫做“愛立信倒戈花旗”，它被認為是中P1進入WT0以后，金融市場發(fā)生的巨大地震。同年4月18日，中國民生銀行首先開始了應(yīng)對外資銀行的反擊。一下實行了買方付息貼現(xiàn)業(yè)務(wù)、民生網(wǎng)等4種新的業(yè)務(wù)活動。 同R,北京麥當勞、南方航空公司以及很多中外大型企業(yè)便和民生銀行簽署了合同�？梢赃@樣認為，革新關(guān)系到中國商業(yè)銀行能否獲得新生。比較與世界上的發(fā)達國家銀行，我們欠缺的+全是市場，也并非都是技術(shù)，我們儼然在很大程度上關(guān)注并且具備產(chǎn)品革新的核心競爭水平，我們?nèi)缃袂啡钡母噢r(nóng)現(xiàn)為對于銀行的經(jīng)營模式上。 跟外資銀行對比，，我國的銀行管理人員的管理觀念十分的守舊與落后，巨大并且不靈巧的組織布局，一定程度上阻礙了人的主動的發(fā)揮，種種的原因最終形成了我國商業(yè)銀行又好又快運營的障礙。導致了我國銀行在面對著外界環(huán)境的改變，無從快速的應(yīng)對市場的競爭，不能夠快速高效的應(yīng)對市場的變化，以至于降低了商業(yè)銀行的系統(tǒng)競爭水平，并且和實際概念上的現(xiàn)代銀行存在著[」:大的距離。因此，我H的商業(yè)銀行要在激烈的競爭中獲得主動性和提高市場競爭力，那么經(jīng)營管理模式的轉(zhuǎn)變已成為發(fā)展的必然趨勢。 在全文的探討中，采用的研究方式主要是： (1)多學科相聯(lián)合的方法。本文在研究問題時，從經(jīng)濟學、管理學、銀行經(jīng)營管理學等多種學科借用含義以及理論，把商業(yè)銀行的效率以及管理制度的革新結(jié)合在一起從而開展探究活動。 (2)系統(tǒng)分析法。本文在探索問題時，堅持把銀行組織看作經(jīng)濟金融大體系里的一個子分支，著重指出當大系統(tǒng)產(chǎn)生變化，子系統(tǒng)要盡快的去應(yīng)對這些改變。 (3)辯證分析法。本文采用的是辯證邏輯的方法以研究我國商業(yè)銀行在經(jīng)營模式轉(zhuǎn)變過程中存在的問題及其原因。 (1)案例分析法。本文根據(jù)國外眾多銀行先進管理模式的個例探索，向我國的銀行管理模式開展了思考，進一步指出具有借鑒性的影響。 (5)規(guī)范分析以及實證分析聯(lián)合。此為探索經(jīng)濟問題通常懫用的辦法之一。本文根據(jù)對我國商業(yè)銀行現(xiàn)實情形的調(diào)查，合理地分析與論證了我H商業(yè)銀行管理模式轉(zhuǎn)變過程中面臨的難題，從而尋求解決問題的方法。 全文的主要邏輯是：界定所提出問題的概念、范圍，提出問題，研究問題，論證問題。從內(nèi)容上看可分為六章，第一章總論，主要說明選題背景及其現(xiàn)實意義，同時說明論文的核心概念和研究方法，并簡要介紹論文內(nèi)容及結(jié)構(gòu)。第二章商業(yè)銀行經(jīng)營管理模式轉(zhuǎn)變的概述。通過研究商業(yè)銀行發(fā)展歷程，結(jié)合商業(yè)銀行這一獨特行為主體，對商業(yè)銀行經(jīng)營管理模式概念加以闡述，對于商業(yè)銀行經(jīng)營管理制度轉(zhuǎn)變的意義和進程^u展分析。第三章闡述我國商業(yè)銀行在經(jīng)營管理模式轉(zhuǎn)變下的發(fā)展狀況，從中歸納總結(jié)商業(yè)銀行在模式轉(zhuǎn)變過程中存在的問題，并分析其存在的深層原因。第四章，我國商處銀行在經(jīng)營管理模式轉(zhuǎn)變中的新思考。根據(jù)發(fā)現(xiàn)的問題，嘗試通過對國外同行業(yè)先進的經(jīng)營管理案例中探索適合我國商業(yè)銀行適應(yīng)金融業(yè)發(fā)展大趨勢的對策。第五章，對商業(yè)銀行經(jīng)營管理模式轉(zhuǎn)型給出建議。第六章，指出本文論述的不足之處，并對我國商業(yè)銀行經(jīng)營管理模式轉(zhuǎn)型進行展望。
[Abstract]:China officially joined WTO in November 10, 2001. After five years, many foreign banks in China S Wei Meng Jie Fang magpie slow elliptical relief? Peach di? M Yu Zhen surname hoop? Invasion? ". oboro harmonic harmonic??? Drop milk I send Huai Rong?? but scraping night? Peach di? Impurity discharge tomorrow?? was the product of Xian Mu locust Fan Yuan young entangles the dispatch showing. All the term" prostitution? Zhu Luang Jun V commercial banks face a strong challenge. We can find a landmark case is that, in March of that year, Ericsson Nanjing enterprises put its loans from commercial banks to deposit the Chinese Nanjing branch only to Chinese market Citibank. We put the move called "Ericsson sider Citi", it is believed that after the P1 into the WT0, the huge earthquake happened in financial markets. In April 18th of the same year, the first to deal with the foreign bank Minsheng Bank China. Counter the buyer interest discount business, the people's livelihood network Wait for 4 new business activities.
With R, Beijing McDonald's, Southern Airlines and many Chinese and foreign large enterprises and Minsheng Bank signed a contract. This can be considered in relation to the reform of commercial banks China can be reborn. Compared with the developed countries in the world bank, we lack + full is the market, nor are we concerned with technology, and has product innovation the core competitive level to a great extent, we now lack more agricultural now for the bank's business model.
Compared with foreign banks, the old China's banking management and management concept is very huge and not backward, the ambidextrous organization layout, to some extent hindered the people's initiative into full play, and eventually formed a sound and rapid operation of China's commercial banks. Obstacles of all sorts of reasons resulting in China's banks in the face of the outside world the change of the environment, can quickly respond to market competition, can not change quickly and efficiently respond to the market, so that the system reduces the level of competition of commercial banks, and banks and modern concept of the actual existence: "[the great distance. Therefore, I H of the commercial banks to the initiative and improve the market competitiveness in the in the fierce competition, then the change of management mode has become the inevitable trend of development.
In the full text of the study, the main research methods are as follows:
(1) a multi-disciplinary approach. In this paper, we use economics and management, banking management and other disciplines to borrow meanings and theories, and combine the efficiency of commercial banks and the reform of management system to carry out inquiry activities.
(2) system analysis. When we explore problems, we should regard bank organization as a sub branch of economic and financial system, and point out that when big system changes, subsystems must respond to these changes as soon as possible.
(3) dialectical analysis. This paper uses dialectical logic to study the problems and its reasons in the process of the transformation of commercial banks in China.
(1) case analysis. Based on a case study of advanced management models of many foreign banks, this paper has carried on the ponder to our country's bank management mode, and further pointed out that it has the reference influence.
(5) the normative analysis and empirical analysis of this joint. In order to explore the economic problems by way Zhi usually. In this paper, according to the survey on the reality of the situation of China's commercial banks, reasonable analysis and demonstration of the problem facing the process of the transformation of the management mode of our commercial bank in H, so as to find a solution to the problem.
The main logic of the paper is: the concept, definition of the scope of the problem, ask questions, research questions, analysis problem can be divided into six chapters. From the contents, the first chapter, mainly explains the background and significance, and explain the core concepts and the research methods, and briefly introduces the content and structure overview of change management mode. The second chapter of the commercial bank. Through researching the development of commercial banks, commercial banks with the subject of this unique behavior, the concept of commercial bank management mode are introduced, analysis of the significance and process of ^u change management system of commercial banks. The third chapter expounds the development status of China's commercial banks in transition the management mode, summarize the existing paradigm shift in the process of commercial bank problems, and in-depth analysis of the reasons for its existence. In the fourth chapter, China's commercial bank New thinking in the transformation of management model. According to the problems, try to explore the Countermeasures for China's commercial banks to adapt to the development of the financial industry trend of foreign advanced management cases. In the fifth chapter, gives suggestions on the transformation mode of operation and management of commercial banks. The sixth chapter points out the inadequacies of this article this, and the management mode of China's transformation of commercial banks is discussed.

【學位授予單位】：吉林大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.33

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