本文選題：中小商業(yè)銀行　切入點：差異化　出處：《遼寧大學(xué)》2012年碩士論文

【摘要】：我國中小商業(yè)銀行近年來發(fā)展迅速，但由于國內(nèi)外金融環(huán)境動蕩，國際上金融危機(jī)愈演愈烈、國內(nèi)通貨膨脹蠢蠢欲動，使中小商業(yè)銀行的發(fā)展和盈利空間不斷縮小、經(jīng)營管理受到嚴(yán)肅挑戰(zhàn)，并且目前外資銀行按照我國加入WTO時開放金融業(yè)的承諾，已經(jīng)能夠較為自由的在華設(shè)立分支機(jī)構(gòu)、辦理大部分人民幣業(yè)務(wù)，同時國有大型銀行的股份制改造也已先后完成，使得我國中小商業(yè)銀行面臨外資銀行和國有大型銀行的競爭加劇，尤其是新巴塞爾協(xié)議的推行（巴塞爾協(xié)議2），對中小商業(yè)銀行的要求更加苛刻，再加上中小商業(yè)銀行自身的發(fā)展規(guī)律，必然導(dǎo)致遇到發(fā)展瓶頸。 國內(nèi)外的各種研究資料和實際情況表明，在激烈的銀行業(yè)競爭中，中小商業(yè)銀行只要立足于自身優(yōu)勢，制定和實施正確而明晰的市場定位，堅持走差異化和特色化道路，也是能夠得到長足發(fā)展的。目前，我國銀行業(yè)壟斷程度較高，在一定程度上影響了整個銀行業(yè)效益的提高，大力發(fā)展中小商業(yè)銀行已成必然。雖然我國中小商業(yè)銀行在許多方面與大型銀行以及外資銀行存在著比較大的差距，但其也具有自己生存和發(fā)展的各項比較優(yōu)勢。同時，，根據(jù)規(guī)模不經(jīng)濟(jì)以及X非效率等理論分析，走大型銀行規(guī)�；�(jīng)營的道路并不見得適合中小商業(yè)銀行。目前，國內(nèi)外的市場環(huán)境在給我國的中小商業(yè)銀行發(fā)展帶來挑戰(zhàn)的同時也提供了非常好的機(jī)遇，如我國中小企業(yè)的蓬勃發(fā)展、個人金融的需求擴(kuò)張等。所以，我國中小商業(yè)銀行如果能發(fā)揮自身優(yōu)勢、克服劣勢、抓住機(jī)會、擺脫市場威脅，就可以贏得更大的市場，實現(xiàn)跨越式的發(fā)展。經(jīng)本文研究，我國中小商業(yè)銀行應(yīng)該采取如下發(fā)展策略：堅持差異化的市場定位、創(chuàng)新外部組織結(jié)構(gòu)、建立特色化的企業(yè)文化以及拓展金融創(chuàng)新內(nèi)容。
[Abstract]:The small and medium-sized commercial banks of our country have developed rapidly in recent years. However, due to the turbulence of the financial environment at home and abroad, the international financial crisis is becoming more and more intense, and domestic inflation is ready to move, the development and profit space of the small and medium-sized commercial banks are shrinking.Management has been seriously challenged, and foreign banks are now free to set up branches in China to handle most of the renminbi business, in accordance with the promise of opening up the financial sector when China joined the WTO.At the same time, the joint-stock system transformation of large state-owned banks has also been completed successively, which has made small and medium-sized commercial banks in our country face increased competition between foreign banks and large state-owned banks.In particular, the implementation of the New Basel Accord (Basel II), the requirements for small and medium-sized commercial banks more stringent, coupled with the development of small and medium-sized commercial banks, will inevitably lead to development bottlenecks.All kinds of research materials and actual situation at home and abroad show that in the fierce banking competition, small and medium-sized commercial banks should only base themselves on their own advantages, formulate and implement correct and clear market positioning, and adhere to the road of differentiation and characterization.Is also able to get considerable development.At present, the degree of banking monopoly in our country is relatively high, which to some extent affects the improvement of the benefit of the whole banking industry, so it is inevitable to vigorously develop the small and medium-sized commercial banks.Although there is a big gap between small and medium-sized commercial banks in China and large banks and foreign banks in many aspects, they also have their own comparative advantages of survival and development.At the same time, according to the theoretical analysis of scale uneconomy and X inefficiency, it is not suitable for small and medium-sized commercial banks to take the road of large-scale operation of large banks.At present, the domestic and foreign market environment not only brings challenges to the development of small and medium-sized commercial banks in China, but also provides very good opportunities, such as the vigorous development of small and medium-sized enterprises in our country, the expansion of personal financial demand and so on.Therefore, if the small and medium-sized commercial banks of our country can exert their own advantages, overcome the disadvantages, seize the opportunity and get rid of the market threat, they can win a bigger market and realize the development by leaps and bounds.Through the research of this paper, the small and medium-sized commercial banks of our country should adopt the following development strategies: insisting on the market orientation of differentiation, innovating the external organization structure, establishing the characteristic enterprise culture and expanding the content of financial innovation.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.2

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