本文選題：城市商業(yè)銀行　切入點(diǎn)：跨區(qū)域經(jīng)營　出處：《華中科技大學(xué)》2012年碩士論文

【摘要】：2006年4月上海銀行寧波分行成立，標(biāo)志城市商業(yè)銀行跨區(qū)域經(jīng)營進(jìn)入實(shí)踐階段，城市商業(yè)銀行作為銀行業(yè)的第三梯隊(duì)成為金融體系主要的改革目標(biāo)，逐步實(shí)現(xiàn)從“單一城市經(jīng)營”向“跨區(qū)域經(jīng)營”轉(zhuǎn)變。城市商業(yè)銀行的發(fā)展壯大為解決中小企業(yè)融資難題以及化解金融系統(tǒng)性風(fēng)險(xiǎn)具有現(xiàn)實(shí)意義。本文圍繞城市商業(yè)銀行跨區(qū)域經(jīng)營為主線，在借鑒美國跨州經(jīng)營的基礎(chǔ)上，綜合運(yùn)用市場結(jié)構(gòu)理論、制度變遷理論、案例分析以及主成份分析方法，對城市商業(yè)銀行發(fā)展歷程、現(xiàn)狀、問題以及跨區(qū)域經(jīng)營的現(xiàn)狀、問題、動因、模式、目標(biāo)城市選擇進(jìn)行分析，向監(jiān)管部門和城市商業(yè)銀行提供合理化建議。 首先在對國內(nèi)外關(guān)于銀行跨區(qū)域經(jīng)營的理論進(jìn)行總結(jié)闡述，通過與國有銀行、股份制銀行縱向?qū)Ρ�，，以及城市商業(yè)銀行之間內(nèi)部比較，總結(jié)城市商業(yè)銀行發(fā)展中的問題，并明確城市商業(yè)銀行跨區(qū)域經(jīng)營的現(xiàn)狀，為分析跨區(qū)域經(jīng)營的動因作鋪墊；然后從內(nèi)外多維度對跨區(qū)域經(jīng)營的動因進(jìn)行深刻剖析，指出城市商業(yè)銀行跨區(qū)域經(jīng)營是被動適應(yīng)經(jīng)濟(jì)形勢的結(jié)果；重點(diǎn)分析直接參股、組織聯(lián)合、村鎮(zhèn)銀行、合并重組等幾種模式，并綜合分析各種模式下的優(yōu)劣勢；對主流模式的核心問題進(jìn)行定量分析，深入研究目標(biāo)城市的選擇這一核心問題；最后就城市商業(yè)銀行跨區(qū)域經(jīng)營存在的問題向監(jiān)管部門和城市商業(yè)銀行提出可行性的建議。 綜合分析認(rèn)為，跨區(qū)域經(jīng)營的進(jìn)一步發(fā)展進(jìn)程中，部分表現(xiàn)優(yōu)秀的城市商業(yè)銀行將發(fā)展不斷擴(kuò)大經(jīng)營規(guī)模和資產(chǎn)質(zhì)量，發(fā)展為與國有商業(yè)銀行以及股份制商業(yè)銀行并駕齊驅(qū)的銀行單元，進(jìn)一步完善金融業(yè)市場體系。
[Abstract]:The establishment of Ningbo Branch of Shanghai Bank in April 2006 marks the practical stage of cross-regional operation of city commercial bank. As the third echelon of banking industry, city commercial bank has become the main reform target of financial system. The development of urban commercial banks is of practical significance to solve the financing problems of small and medium-sized enterprises and to resolve the systemic risks of finance. Cross-regional management of commercial banks is the main line, On the basis of the cross-state operation of the United States, the paper makes comprehensive use of market structure theory, institutional change theory, case analysis and principal component analysis method to analyze the development course, current situation, problems and cross-regional management of urban commercial banks. Motivation, model, target city selection analysis, to provide reasonable suggestions to the regulatory authorities and urban commercial banks. First of all, it summarizes the theory of cross-regional operation of banks at home and abroad, and summarizes the problems in the development of urban commercial banks through the longitudinal comparison with state-owned banks, joint-stock banks, and the internal comparison between urban commercial banks. It also clarifies the current situation of cross-regional operation of urban commercial banks, and lays the groundwork for analyzing the motivation of cross-regional operation. Then, it makes a profound analysis of the motivation of cross-regional operation from the internal and external multi-dimension. It is pointed out that the cross-regional management of urban commercial banks is the result of passive adaptation to the economic situation, with emphasis on the analysis of several modes, such as direct equity participation, organization and association, village and town banks, and merger and reorganization, and the advantages and disadvantages of these models are comprehensively analyzed. Quantitative analysis of the core issues of the mainstream mode, in-depth study of the choice of the target city, and finally put forward feasible suggestions to the regulatory authorities and the city commercial banks on the problems of cross-regional management of urban commercial banks. The comprehensive analysis shows that in the further development of cross-regional operation, some excellent urban commercial banks will continue to expand their business scale and asset quality. It has developed into a banking unit parallel with state-owned commercial banks and joint-stock commercial banks to further improve the market system of the financial industry.
【學(xué)位授予單位】：華中科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.33

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