本文關(guān)鍵詞：我國(guó)城市商業(yè)銀行市場(chǎng)定位與策略研究　出處：《安徽農(nóng)業(yè)大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 城市商業(yè)銀行 非利息收入 市場(chǎng)定位 中小銀行 小銀行優(yōu)勢(shì)

【摘要】：我國(guó)城市商業(yè)銀行是繼國(guó)有商業(yè)銀行大中型股份制商業(yè)銀行之后的銀行體系的重要組成部分，素有銀行體系第三梯隊(duì)之稱城市商業(yè)銀行在區(qū)域內(nèi)的中小企業(yè)融資城鄉(xiāng)居民金融服務(wù)方面具有大型商業(yè)銀行無(wú)法比擬的先天優(yōu)勢(shì)，如果能與大型商業(yè)銀行形成優(yōu)勢(shì)互補(bǔ)，無(wú)疑會(huì)對(duì)國(guó)民經(jīng)濟(jì)的發(fā)展起到及其重要的作用然而，隨著各城市商業(yè)銀行的業(yè)務(wù)和規(guī)模的發(fā)展，城商行普遍具有做大做強(qiáng)的沖動(dòng)，市場(chǎng)定位與成立之初漸行漸遠(yuǎn)基于此種情形，文章首先回顧了城市商業(yè)銀行的發(fā)展歷史以及現(xiàn)狀，認(rèn)真分析了我國(guó)現(xiàn)有商業(yè)銀行體系的基本結(jié)構(gòu)，并將整個(gè)銀行體系劃分出來(lái)進(jìn)行對(duì)比研究以尋找各自定位的異同點(diǎn)然后，大膽提出利用銀行持續(xù)盈利能力大小模擬城市商業(yè)銀行定位有效與否在此基礎(chǔ)上仔細(xì)分析識(shí)別可能影響我國(guó)城市商業(yè)銀行盈利能力大小的因素，搜集相關(guān)數(shù)據(jù)利用Eviews軟件進(jìn)行實(shí)證分析基于實(shí)證研究結(jié)果為我國(guó)城市商業(yè)銀行的準(zhǔn)確市場(chǎng)定位提供依據(jù)參考全文框架如下，共分為六個(gè)部分 第一部分：引言概述本文的研究背景及研究目的 第二部分：國(guó)內(nèi)外相關(guān)理論的文獻(xiàn)綜述，，并闡明本文的研究思路及創(chuàng)新之處 第三部分：我國(guó)城市商業(yè)銀行的分析介紹城市商業(yè)銀行的發(fā)展歷程和所處現(xiàn)狀，并將其與國(guó)內(nèi)其他類型商業(yè)銀行和發(fā)達(dá)國(guó)家中小銀行的定位狀況進(jìn)行比較研究與國(guó)內(nèi)其他銀行的比較分析中側(cè)重風(fēng)險(xiǎn)管理資產(chǎn)質(zhì)量管理以及資產(chǎn)規(guī)模對(duì)銀行經(jīng)營(yíng)績(jī)效的影響而在與發(fā)達(dá)國(guó)家的比較研究中側(cè)重分析了不同國(guó)家對(duì)中小銀行的定位特色和決策流程 第四部分：我國(guó)城市商業(yè)銀行市場(chǎng)定位中存在的問(wèn)題從地方行政干預(yù)，市場(chǎng)多元化經(jīng)營(yíng)，地域限制，風(fēng)險(xiǎn)集中程度，產(chǎn)品同質(zhì)化等角度分析城市商業(yè)銀行的定位失策，指出忽視準(zhǔn)確定位的經(jīng)營(yíng)隱患 第五部分：城市商業(yè)銀行的實(shí)證研究選擇了包括城商行的業(yè)務(wù)多元化程度（P_NIR和Entropy指標(biāo)）行業(yè)宏觀環(huán)境及競(jìng)爭(zhēng)程度（CRn指標(biāo)）決策效率水平（P_SOS指標(biāo)）風(fēng)險(xiǎn)控制能力（NPL指標(biāo)）金融創(chuàng)新潛力（P_PLR指標(biāo)）在內(nèi)的5大類解釋變量對(duì)被解釋變量ROAA ROAE進(jìn)行回歸分析 第六部分：城市商業(yè)銀行市場(chǎng)定位的策略選擇，結(jié)論及建議利用實(shí)證分析結(jié)果嘗試解釋城市商業(yè)銀行定位失效的原因，并在此基礎(chǔ)上提出中小城商行如何準(zhǔn)確定位的策略，并提出相關(guān)建議
[Abstract]:The city commercial bank of our country is an important part of the banking system after the large and medium-sized joint-stock commercial banks of the state-owned commercial banks. Known as the third echelon of banking system, city commercial banks have the inborn advantages that large commercial banks can not compare in the financing of small and medium-sized enterprises in the area of financial services for urban and rural residents. If it can complement the advantages of large commercial banks, it will undoubtedly play an important role in the development of the national economy. However, with the development of the business and scale of commercial banks in various cities. City commercial banks generally have the impulse to make big and strong, market positioning and the establishment of the beginning of the gradual departure from this situation, the article first reviewed the development of urban commercial banks as well as the status quo. This paper carefully analyzes the basic structure of the existing commercial banking system in China, and divides the whole banking system into a comparative study in order to find the similarities and differences of their respective positioning. Boldly put forward to use the size of sustainable profitability of banks to simulate the effectiveness of the positioning of urban commercial banks on the basis of careful analysis of the identification of the possible impact on the size of the profitability of urban commercial banks in China. Empirical Analysis of collecting relevant data using Eviews Software based on empirical Research results provide the basis for the accurate market positioning of urban commercial banks in China the full text framework is as follows: it is divided into six parts. Part one: introduction: the research background and purpose of this paper The second part: literature review of relevant theories at home and abroad, and clarify the research ideas and innovations of this paper. The third part: the analysis of the city commercial bank of our country introduces the development course and the present situation of the city commercial bank. A comparative study was made on the positioning of the bank with other types of commercial banks in China and small and medium-sized banks in developed countries. In the comparative analysis of other domestic banks, the emphasis was placed on risk management, asset quality management, and asset size on the operation of banks. The impact of performance. In the comparative study with developed countries, this paper focuses on the analysis of the positioning characteristics and decision-making process of small and medium-sized banks in different countries. Part 4th: the problems existing in the market positioning of urban commercial banks in China include local administrative intervention, market diversification, regional restrictions, and the degree of risk concentration. From the point of view of homogenization of products, this paper analyzes the misorientation of urban commercial banks, and points out the hidden trouble of neglecting the accurate positioning. Part 5th: the empirical study of city commercial banks, including the degree of diversification of the business of the city commercial bank, Pnir and Entropy index) the macro environment and competition degree of the industry. Decision-making efficiency level (PSOS index) risk control ability (NPL index) financial innovation potential (PSP PLR index). Regression analysis of ROAA ROAE Part 6th: the strategic choice of market positioning of urban commercial banks. The conclusions and recommendations of empirical analysis try to explain the reasons for the failure of the positioning of urban commercial banks. On the basis of this, the paper puts forward the strategy of how to locate the small and medium-sized commercial firms accurately, and puts forward some relevant suggestions.
【學(xué)位授予單位】：安徽農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.33

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