本文選題：城市商業(yè)銀行　切入點：可持續(xù)發(fā)展　出處：《安徽財經(jīng)大學》2012年碩士論文　論文類型：學位論文

【摘要】：城市商業(yè)銀行自成立以來,發(fā)展較為迅速,目前在整個銀行業(yè)中資產(chǎn)占比在8%左右,它的盈利能力不斷增強,但是城市商業(yè)銀行在其發(fā)展過程中面臨著亟待解決的問題,如市場定位不清晰、風險控制能力較弱、地方政府干預較多、公司治理結(jié)構(gòu)不合理、兩級分化較嚴重等。這些問題在很大程度上影響了城市商業(yè)銀行的可持續(xù)發(fā)展,因此,如何實現(xiàn)城市商業(yè)銀行的可持續(xù)發(fā)展成為一個重要的課題。 本文以理論分析為鋪墊,首先從財務可持續(xù)、經(jīng)營可持續(xù)和風險控制三個方面提出了城市商業(yè)銀行的主要判斷依據(jù)并在此基礎(chǔ)上構(gòu)建其衡量的指標體系,其次,結(jié)合我國城市商業(yè)銀行的發(fā)展現(xiàn)狀,運用統(tǒng)計性描述指標分析我國城市商業(yè)銀行的可持續(xù)發(fā)展,結(jié)果表明我國城市商業(yè)銀行可持續(xù)發(fā)展能力較差。再次,利用主成分分析法進一步對4家國有商業(yè)銀行、2家全國股份制商業(yè)銀行和15家城市商業(yè)銀行運用8個指標進行實證分析。研究發(fā)現(xiàn)國有商業(yè)銀行的可持續(xù)發(fā)展能力最強,全國股份制商業(yè)銀行次之,城市商業(yè)銀行最弱,而且城市商業(yè)銀行的可持續(xù)發(fā)展能力兩級分化較為明顯。最后,從建立全面的風險管理機制,豐富中間業(yè)務的種類,實行差異化競爭,找準市場定位和建立以風險為導向企業(yè)文化這五個方面提出提高城市商業(yè)銀行可持續(xù)發(fā)展能力的政策建議。
[Abstract]:Since its establishment, the city commercial bank has been developing rapidly. At present, the proportion of assets in the whole banking industry is about 8%, and its profitability is continuously enhanced. However, the city commercial bank is faced with some problems to be solved urgently in the process of its development. If the market position is not clear, the risk control ability is weak, the local government intervention is more, the corporate governance structure is unreasonable, the two levels differentiation is serious and so on. These problems affect the sustainable development of the city commercial bank to a great extent, therefore, How to realize the sustainable development of city commercial banks becomes an important subject. Based on the theoretical analysis, this paper first puts forward the main judgment basis of urban commercial banks from three aspects of financial sustainability, operational sustainability and risk control, and then constructs its measurement index system. Combined with the current situation of urban commercial banks in China, the sustainable development of urban commercial banks in China is analyzed by statistical description index. The results show that the sustainable development ability of urban commercial banks in China is poor. By using principal component analysis (PCA), this paper makes an empirical analysis of 4 state-owned commercial banks, 2 national joint-stock commercial banks and 15 urban commercial banks using 8 indexes. The research shows that state-owned commercial banks have the strongest ability of sustainable development. National joint-stock commercial banks are the second, urban commercial banks are the weakest, and the two levels of sustainable development ability of urban commercial banks are more distinct. Finally, from the establishment of a comprehensive risk management mechanism to enrich the types of intermediate business, The paper puts forward some policy suggestions on how to improve the sustainable development ability of urban commercial banks from the five aspects of differentiated competition, market orientation and risk oriented enterprise culture.
【學位授予單位】：安徽財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.33

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