本文選題：城商行 + 跨區(qū)域經(jīng)營(yíng)　； 參考：《廣西大學(xué)》2012年碩士論文

【摘要】：自2006年銀監(jiān)會(huì)放行城市商業(yè)銀行跨區(qū)域經(jīng)營(yíng)以來,在國(guó)有銀行、股份制銀行、外資銀行等金融機(jī)構(gòu)留下的“夾縫”中,城商行經(jīng)過5年跨區(qū)域經(jīng)營(yíng)發(fā)展,以非常驚人的速度成長(zhǎng)起來,2010年城商行異地?cái)U(kuò)張達(dá)到了歷史的高峰,城市商業(yè)銀行的跨區(qū)域發(fā)展對(duì)促進(jìn)中小企業(yè)融資發(fā)揮了不可替代的作用。但隨著2010年“齊魯銀行案件”的出現(xiàn),開始暴露出城商行風(fēng)險(xiǎn)控制的不足,繼而監(jiān)管層提出將審慎推進(jìn)城商行跨區(qū)域經(jīng)營(yíng)的政策,城商行設(shè)立異地分行特別是跨省設(shè)立分支機(jī)構(gòu)基本處于暫緩的狀態(tài),等待銀監(jiān)會(huì)出臺(tái)新的準(zhǔn)入和評(píng)估政策。而一直以來城商行對(duì)于緩解我國(guó)中小企業(yè)融資難問題有著不可替代的作用,允許城市商業(yè)銀行進(jìn)行跨區(qū)域經(jīng)營(yíng)無疑還是銀行業(yè)改革必須堅(jiān)持的方向。2012年初,各地銀監(jiān)局開始接收城商行上報(bào)的跨區(qū)規(guī)劃申請(qǐng)文件,等待監(jiān)管部門根據(jù)監(jiān)管評(píng)級(jí)情況給予批復(fù)。本文圍繞著我國(guó)城市商業(yè)銀行跨區(qū)域經(jīng)營(yíng)的現(xiàn)狀、特點(diǎn)、問題,并以GL銀行為視角,對(duì)跨區(qū)域經(jīng)營(yíng)中共同存在的問題和GL銀行自身存在的問題分別進(jìn)行了分析,進(jìn)而針對(duì)問題提出相應(yīng)的對(duì)策建議。 本文第一章是導(dǎo)論,重點(diǎn)是對(duì)已有的研究成果進(jìn)行了分類、總結(jié),找到自己文章的切入點(diǎn)；第二章對(duì)城商行跨區(qū)域經(jīng)營(yíng)的動(dòng)因和現(xiàn)狀進(jìn)行了分析,城商行主要出于防范危機(jī)、業(yè)務(wù)發(fā)展、分散風(fēng)險(xiǎn)等需要進(jìn)行跨區(qū)域經(jīng)營(yíng),并從城商行跨區(qū)域經(jīng)營(yíng)的概況、特點(diǎn)概述了我國(guó)城商行跨區(qū)域經(jīng)營(yíng)現(xiàn)狀；第三章介紹了GL銀行跨區(qū)域經(jīng)營(yíng)的概況、特點(diǎn)、成效和存在的問題等四個(gè)方面,重點(diǎn)對(duì)GL銀行跨區(qū)域經(jīng)營(yíng)存在的問題進(jìn)行闡述和分析；第四章針對(duì)GL銀行跨區(qū)域經(jīng)營(yíng)存在的問題,對(duì)完善GL銀行跨區(qū)域經(jīng)營(yíng)提出了可行的思路和建議；第五章是完善GL銀行跨區(qū)域經(jīng)營(yíng)的外部保障,即從監(jiān)管政策和屬地政策兩方面來支持城商行跨區(qū)域經(jīng)營(yíng)；最后一章為結(jié)論與展望,希望逐步建立檢驗(yàn)城商行跨區(qū)經(jīng)營(yíng)發(fā)展是否成功的標(biāo)準(zhǔn)。
[Abstract]:Since the CBRC released the city commercial banks to operate across regions in 2006, in the "gap" left by financial institutions such as state-owned banks, joint-stock banks, foreign banks, etc., City-based commercial banks have undergone five years of trans-regional business development. In 2010, the expansion of city commercial banks reached a historical peak, and the cross-regional development of urban commercial banks played an irreplaceable role in promoting the financing of small and medium-sized enterprises. However, with the emergence of the Qilu Bank case in 2010, it began to expose the insufficiency of the risk control of the City Commercial Bank, and then the regulators put forward a policy of prudently promoting the cross-regional operation of the City Commercial Bank. City commercial banks set up branches in other places, especially inter-provincial branches in a state of suspension, waiting for the CBRC to issue a new access and evaluation policy. City commercial banks have been playing an irreplaceable role in alleviating the financing difficulties of small and medium-sized enterprises in our country. It is undoubtedly the direction of banking reform that city commercial banks should be allowed to carry out cross-regional operations in early 2012. Local banking regulatory bureaus began to receive the cross-regional planning application documents reported by City Commercial Bank, pending regulatory approval based on the regulatory ratings. This paper focuses on the current situation, characteristics and problems of cross-regional management of urban commercial banks in China. From the perspective of GL Bank, this paper analyzes the common problems in cross-regional operation and the problems of GL Bank itself, respectively. And then put forward the corresponding countermeasures and suggestions for the problem. The first chapter of this paper is an introduction, which focuses on classifying and summarizing the existing research results and finding the breakthrough point of the paper. Chapter two analyzes the reasons and current situation of the cross-regional management of city commercial banks, which is mainly for the prevention of crisis. Business development, risk diversification and other needs to carry out cross-regional operation, and from the general situation of cross-regional management of city commercial banks, the characteristics of cross-regional management of city commercial banks in our country, the third chapter introduces the general situation of GL bank cross-regional operation, the characteristics, The fourth chapter focuses on the problems existing in GL bank cross-regional operation, and the fourth chapter focuses on the problems of GL bank cross-regional operation, the fourth chapter is focused on the problems of GL bank cross-regional operation, the fourth chapter is focused on the problems of GL bank cross-regional operation. Some feasible ideas and suggestions are put forward to perfect GL bank's cross-regional operation. Chapter five is to perfect the external guarantee of GL bank's cross-regional operation, that is, to support the city bank's cross-regional operation from the two aspects of supervision policy and territorial policy. The last chapter is the conclusion and prospect, hoping to establish the standard to test the success of the cross-district business development.
【學(xué)位授予單位】：廣西大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.2

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