本文選題：城市商業(yè)銀行 + 成長(zhǎng)特征　； 參考：《天津大學(xué)》2012年博士論文

【摘要】：我國(guó)的城市商業(yè)銀行是由城市信用合作社改組而成的銀行類金融機(jī)構(gòu),是我國(guó)金融體制改革的重要內(nèi)容。經(jīng)過近15年的發(fā)展,城商行有效地控制和化解了數(shù)千家城市信用社積累的金融風(fēng)險(xiǎn)。面向未來,在中國(guó)特色的經(jīng)濟(jì)環(huán)境中,選擇怎樣的成長(zhǎng)模式才能成為市場(chǎng)的強(qiáng)者,并在競(jìng)爭(zhēng)中脫穎而出,成為城市商業(yè)銀行面臨的共同課題。 本文以戰(zhàn)略管理理論、成長(zhǎng)理論、系統(tǒng)論為理論基礎(chǔ),從成長(zhǎng)特征、成長(zhǎng)動(dòng)力機(jī)制、成長(zhǎng)模式三個(gè)方面對(duì)城市商業(yè)銀行成長(zhǎng)機(jī)制進(jìn)行了系統(tǒng)而深入的研究。采用定性與定量相結(jié)合的研究方法,通過規(guī)范性研究、大樣本實(shí)證研究、案例研究相結(jié)合等技術(shù)手段,在系統(tǒng)的研究框架下,對(duì)城市商業(yè)銀行的成長(zhǎng)特征進(jìn)行了探討,分析了每類特征產(chǎn)生的動(dòng)因和現(xiàn)實(shí)途徑;深入剖析了影響城市商業(yè)銀行成長(zhǎng)的主要驅(qū)動(dòng)因素,構(gòu)建了成長(zhǎng)動(dòng)力機(jī)制模型,并利用結(jié)構(gòu)方程方法進(jìn)行了實(shí)證檢驗(yàn)和模型修正;在此基礎(chǔ)上提出了規(guī)模成長(zhǎng)、差異成長(zhǎng)和借勢(shì)成長(zhǎng)的三種城市商業(yè)銀行成長(zhǎng)模式,并以齊魯銀行為例進(jìn)行了案例分析;最后對(duì)我國(guó)城市商業(yè)銀行實(shí)現(xiàn)可持續(xù)成長(zhǎng)提出政策建議。 與以往研究相比,文本的創(chuàng)新性工作主要體現(xiàn)在以下幾個(gè)方面: (1)構(gòu)建了城市商業(yè)銀行成長(zhǎng)動(dòng)力機(jī)制。本文通過對(duì)各種風(fēng)險(xiǎn)因素相互關(guān)系的研究,提出城市商業(yè)銀行成長(zhǎng)是由外部推力與內(nèi)在動(dòng)力共同作用的結(jié)果。針對(duì)我國(guó)城市商業(yè)銀行的特點(diǎn),構(gòu)造了城市商業(yè)銀行成長(zhǎng)動(dòng)力模型。借助結(jié)構(gòu)方程模型的方法,在大規(guī)模專家訪談和問卷調(diào)研的基礎(chǔ)上,驗(yàn)證了成長(zhǎng)動(dòng)力機(jī)制的有效性,進(jìn)一步揭示了成長(zhǎng)驅(qū)動(dòng)因素之間、成長(zhǎng)驅(qū)動(dòng)因素與成長(zhǎng)性各維度之間的作用路徑和相互關(guān)系。 (2)提出了基于城市商業(yè)銀行異質(zhì)性的成長(zhǎng)特征體系。本文指出城商行成長(zhǎng)特征的本質(zhì)就是在不同的影響因素下選擇不同的成長(zhǎng)方式。在此基礎(chǔ)上,抽絲剝繭,深入探討了每種成長(zhǎng)方式的成長(zhǎng)驅(qū)動(dòng)因素,包括區(qū)位優(yōu)勢(shì)、政府影響、市場(chǎng)競(jìng)爭(zhēng)、公司治理、資本約束、創(chuàng)新能力、管理能力等。 (3)提出了基于城市商業(yè)銀行成長(zhǎng)動(dòng)力機(jī)制的城市商業(yè)銀行成長(zhǎng)模式。針對(duì)我國(guó)城市商業(yè)銀行的獨(dú)特性,提出了基于城市商業(yè)銀行成長(zhǎng)動(dòng)力機(jī)制的城市商業(yè)銀行成長(zhǎng)模式,即規(guī)模成長(zhǎng)模式、差異成長(zhǎng)模式和借勢(shì)成長(zhǎng)模式,分別闡述了其成長(zhǎng)模式的特征、城商行的初始條件、經(jīng)營(yíng)策略以及相關(guān)案例;最后以齊魯銀行為例,詳實(shí)地分析其成長(zhǎng)模式的選擇策略。
[Abstract]:The city commercial bank of our country is a kind of banking financial institution formed by the reorganization of the city credit cooperative, which is the important content of the financial system reform of our country. After nearly 15 years of development, city commercial banks effectively control and defuse the financial risks accumulated by thousands of urban credit cooperatives. Facing the future, in the economic environment with Chinese characteristics, what kind of growth mode can be chosen to become the market strong, and stand out in the competition, become the common topic that the city commercial banks are faced with. Based on the theories of strategic management theory, growth theory and system theory, this paper makes a systematic and in-depth study on the growth mechanism of urban commercial banks from three aspects: the growth characteristics, the growth motive mechanism and the growth model. By using qualitative and quantitative research methods, through normative research, large sample empirical research, case study and other technical means, under the framework of systematic research, this paper discusses the growth characteristics of urban commercial banks. This paper analyzes the causes and practical approaches of each kind of characteristics, deeply analyzes the main driving factors that affect the growth of urban commercial banks, constructs a growth dynamic mechanism model, and makes an empirical test and model modification by using the structural equation method. On this basis, the paper puts forward three kinds of growth models of urban commercial banks, which are scale growth, differential growth and opportunity growth, and takes Qilu Bank as an example to analyze the case, and finally puts forward some policy recommendations for the realization of sustainable growth of urban commercial banks in China. Compared with previous studies, the innovative work of the text is mainly reflected in the following aspects: 1) construct the dynamic mechanism of urban commercial bank growth. Based on the study of the relationship between various risk factors, this paper puts forward that the growth of urban commercial banks is the result of the combination of external thrust and internal power. According to the characteristics of urban commercial banks in China, a dynamic growth model of urban commercial banks is constructed. With the help of the structural equation model, on the basis of large-scale expert interviews and questionnaire survey, the validity of the growth motivation mechanism is verified, and the growth drivers are further revealed. The path and relationship between growth drivers and growth dimensions. A growth characteristic system based on the heterogeneity of urban commercial banks is proposed. This paper points out that the essence of the growth characteristics of city commercial banks is to choose different growth modes under different influence factors. On this basis, the factors driving each growth mode are discussed, including location advantage, government influence, market competition, corporate governance, capital constraint, innovation ability, management ability and so on. The growth model of city commercial bank based on the dynamic mechanism of urban commercial bank growth is put forward. In view of the uniqueness of urban commercial banks in China, this paper puts forward the growth models of urban commercial banks based on the dynamic mechanism of the growth of urban commercial banks, that is, scale growth model, differential growth model and opportunity growth model. The characteristics of its growth model, the initial conditions of the city commercial bank, business strategy and related cases are elaborated. Finally, Qilu Bank is taken as an example to analyze the choice strategy of its growth model in detail.
【學(xué)位授予單位】：天津大學(xué)
【學(xué)位級(jí)別】：博士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.2

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