【摘要】：如今我國的銀行體系結(jié)構(gòu)不夠合理,大型商業(yè)銀行比重太高,而小型商業(yè)銀行的比重太低,這勢必對銀行業(yè)的健康運行產(chǎn)生影響。社區(qū)銀行應(yīng)運而生,成為推動經(jīng)濟穩(wěn)定向上、協(xié)調(diào)社會發(fā)展的不二之選。由于我國各省市地區(qū)經(jīng)濟發(fā)展水平不同,發(fā)展社區(qū)銀行需要在借鑒西方社區(qū)銀行建設(shè)經(jīng)驗的基礎(chǔ)上,制定因地制宜的發(fā)展戰(zhàn)略,以更好地服務(wù)區(qū)域經(jīng)濟。本文將A銀行的下屬社區(qū)銀行當作研究的具體對象,進一步探討社區(qū)銀行在發(fā)展的過程中的具體需求,為該銀行的發(fā)展提供更加有力的建議。本文通過回顧各國學(xué)者在社區(qū)銀行方面的具體的理論果實,并提出社區(qū)銀行自身所具備的五個基本的特點。與此同時,將進一步解釋社區(qū)銀行最基本的兩個理論,即金融共生理論以及產(chǎn)權(quán)制度方面的理論。再分析其他發(fā)達國家的社區(qū)銀行的發(fā)展歷程,為我國的社區(qū)銀行提供經(jīng)驗以及教訓(xùn)。A銀行在發(fā)展社區(qū)銀行的發(fā)展進程中具有三個內(nèi)部優(yōu)勢:一是擁有相對優(yōu)質(zhì)的客戶群體,二是具有良好的品牌優(yōu)勢,三是具有一定的經(jīng)營優(yōu)勢;但也存在一些內(nèi)部劣勢:如對社區(qū)銀行的運營和管理還不成熱、服務(wù)定位水平偏低等。根據(jù)A銀行的社區(qū)銀行在發(fā)展過程中遇到的問題,進行分析,總結(jié)出以下的發(fā)展策略:一是樹立品牌競爭優(yōu)勢,二是構(gòu)建豐富多樣的產(chǎn)品服務(wù)體系,三是創(chuàng)新銀行發(fā)展模式,四是培養(yǎng)社區(qū)銀行高素質(zhì)人才。
[Abstract]:Nowadays, the banking system structure of our country is not reasonable, the proportion of large commercial banks is too high, and the proportion of small commercial banks is too low, which is bound to have an impact on the healthy operation of the banking industry. Community banks emerge as the times require and become the right choice to promote economic stability and coordinate social development. Because of the different levels of economic development in different provinces and cities in China, the development of community banks needs to draw up the development strategy according to local conditions on the basis of drawing lessons from the construction experience of western community banks in order to better serve the regional economy. This paper takes the community bank of Bank A as the specific object of the study, further discusses the specific needs of the community bank in the process of development, and provides more powerful suggestions for the development of the bank. This paper reviews the specific theoretical results of scholars in community banks, and puts forward five basic characteristics of community banks themselves. At the same time, it will further explain the two most basic theories of community banks, namely, the theory of financial symbiosis and the theory of property right system. This paper analyzes the development process of community banks in other developed countries, and provides experience and lessons for community banks in our country. A bank has three internal advantages in the development process of community banks: first, it has relatively high quality customer groups. The second is to have a good brand advantage, the third is to have a certain business advantage; However, there are also some internal disadvantages: for example, the operation and management of community banks is not hot, the level of service positioning is low and so on. According to the problems encountered by the community bank of Bank A in the process of development, this paper analyzes and summarizes the following development strategies: one is to establish the competitive advantage of the brand, the other is to build a rich and diverse product and service system, and the third is to innovate the development model of the bank. The fourth is to train high-quality talents of community banks.
【學(xué)位授予單位】：南昌大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2016
【分類號】：F832.3

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