【摘要】：城市商業(yè)銀行是由城市信用社發(fā)展而來,從1995年我國第一家城市商業(yè)銀行成立到現(xiàn)在,城市商業(yè)銀行已走過了近二十年的發(fā)展道路。這期間,城市商業(yè)銀行經(jīng)歷了從無到有、從小到大、從粗放式經(jīng)營到現(xiàn)代商業(yè)銀行經(jīng)營的轉(zhuǎn)變,其在解決中小企業(yè)融資難、服務(wù)市民和促進(jìn)地方經(jīng)濟(jì)發(fā)展等方面起到了重要的作用,已經(jīng)成為我國商業(yè)銀行的第三梯隊(duì),是我國銀行業(yè)不可或缺的組成部分。據(jù)銀監(jiān)會統(tǒng)計(jì),截止2011年末,我國共有城市商業(yè)銀行144家,其資產(chǎn)總額、負(fù)債總額分別是9.98萬億元、9.32萬億元,其資產(chǎn)總額占我國銀行業(yè)金融機(jī)構(gòu)的比重為8.8%,延續(xù)了持續(xù)增長的趨勢。 然而,由于城市商業(yè)銀行的先天不足,從誕生之日起,它就伴隨著一系列的問題,如缺乏完善的業(yè)務(wù)結(jié)構(gòu)、內(nèi)控制度薄弱、創(chuàng)新能力不足等：加之大型商業(yè)銀行的全面股改上市、全國性股份制商業(yè)銀行發(fā)展的不斷深入、外資銀行的全面進(jìn)入、郵政儲蓄銀行和農(nóng)村信用社改革的不斷深化,使得我國城市商業(yè)銀行面臨著日益激烈的行業(yè)競爭和嚴(yán)峻的外部挑戰(zhàn)。城市商業(yè)銀行如何在激烈的競爭中發(fā)揮比較優(yōu)勢、克服劣勢、充分把握機(jī)會、應(yīng)對挑戰(zhàn),培育和提升城市商業(yè)銀行的核心競爭力迫在眉睫。 本文采用規(guī)范分析的方法,以核心競爭力的理論為依據(jù),對城市商業(yè)銀行進(jìn)行研究。首先,對城市商業(yè)銀行進(jìn)行了界定,闡述了核心競爭力的內(nèi)涵、商業(yè)銀行核心競爭力的構(gòu)成要素及其評價(jià)指標(biāo)體系。接著,分析了我國城市商業(yè)銀行的發(fā)展歷程及現(xiàn)狀。然后,從發(fā)展戰(zhàn)略、組織結(jié)構(gòu)、創(chuàng)新和技術(shù)、風(fēng)險(xiǎn)管理、公司治理和人力資源分析了我國城市商業(yè)銀行核心競爭力的構(gòu)成要素,并給出了我國城市商業(yè)銀行核心競爭力的評價(jià)指標(biāo)體系。之后,以3家上市城市商業(yè)銀行、8家非上市城市商業(yè)銀行、1家國有大型商業(yè)銀行和1家股份制商業(yè)銀行作為研究對象,結(jié)合我國城市商業(yè)銀行核心競爭力的指標(biāo)體系,對我國城市商業(yè)銀行核心競爭力進(jìn)行分析及評價(jià)。最后,結(jié)合我國城市商業(yè)銀行存在的不足及其評價(jià)分析,有針對性地提出了一系列的建議,以期為提高我國城市商業(yè)銀行核心競爭力并保持其持續(xù)健康的發(fā)展提供一些參考。
[Abstract]:The city commercial bank is developed from the city credit cooperative. From the establishment of the first city commercial bank of our country in 1995, the city commercial bank has gone through the development road of nearly 20 years. During this period, the city commercial bank experienced the transformation from nothing to existence, from small to large, from extensive operation to modern commercial bank management, and it was solving the financing difficulties of small and medium-sized enterprises. It has played an important role in serving the citizens and promoting the development of local economy. It has become the third echelon of our country's commercial banks and is an indispensable part of our banking industry. According to the statistics of the CBRC, by the end of 2011, there were 144 urban commercial banks in China, and their total assets and liabilities were 9.98 trillion yuan and 9.32 trillion yuan respectively, and their total assets accounted for 8.8 percent of the total assets of China's banking and financial institutions. Continued the trend of sustained growth. However, due to the inherent deficiency of the city commercial bank, since its birth, it has been accompanied by a series of problems, such as the lack of a sound business structure, internal control system is weak, Lack of innovative ability and so on: coupled with the comprehensive stock reform and listing of large commercial banks, the continuous deepening of the development of national joint-stock commercial banks, the comprehensive entry of foreign banks, and the continuous deepening of the reform of postal savings banks and rural credit cooperatives, China's urban commercial banks are facing increasingly fierce industry competition and severe external challenges. It is urgent for city commercial banks to play their comparative advantages, overcome disadvantages, fully grasp opportunities, meet challenges and cultivate and promote the core competitiveness of urban commercial banks in the fierce competition. Based on the theory of core competence, this paper studies urban commercial banks by means of normative analysis. Firstly, it defines the city commercial bank, expounds the connotation of the core competence, the constituent elements of the core competence of the commercial bank and its evaluation index system. Then, analyzes the development course and present situation of our country city commercial bank. Then, from the development strategy, organizational structure, innovation and technology, risk management, corporate governance and human resources, this paper analyzes the components of the core competitiveness of urban commercial banks in China. The evaluation index system of the core competitiveness of urban commercial banks in China is also given. After that, taking three listed city commercial banks, eight unlisted city commercial banks, one large state-owned commercial bank and one joint-stock commercial bank as the research objects, combining with the index system of the core competitiveness of the urban commercial banks in our country, The core competitiveness of urban commercial banks in China is analyzed and evaluated. Finally, combined with the shortcomings of urban commercial banks in China and their evaluation and analysis, this paper puts forward a series of suggestions in order to provide some references for improving the core competitiveness of urban commercial banks in China and maintaining their sustainable and healthy development.
【學(xué)位授予單位】：海南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.33

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