【摘要】：城市商業(yè)銀行作為我國銀行業(yè)體系的“第三梯隊”，在成立之初，主要是由所屬地域管制。從2006年監(jiān)管放開后，上海銀行開設了第一家異地分支機構(gòu)，隨后各種模式的跨區(qū)域經(jīng)營不斷涌現(xiàn)。近幾年，跨區(qū)域擴張速度越來越快，各家城市商業(yè)銀行都開始“跑馬圈地”，占領各自的市場份額。伴隨著跨區(qū)域浪潮的快速擴張，一些問題也逐漸顯現(xiàn)。如一些銀行設立的分支處于虧損狀態(tài)、銀行內(nèi)部風險增大、后備儲蓄人才嚴重不足等。在跨區(qū)域發(fā)展過程中如何有效地提升城市商業(yè)銀行的效率，對于提升城市商業(yè)銀行的整體綜合競爭力具有重要的現(xiàn)實意義，對于我國城市商業(yè)銀行的可持續(xù)發(fā)展也具有重要的意義。 本文在城市商業(yè)銀行大舉跨區(qū)域擴張的背景下，基于銀行效率理論的分析，以國內(nèi)外學者關(guān)于商業(yè)銀行跨區(qū)域經(jīng)營對銀行效率影響的研究為導向，結(jié)合我國城市商業(yè)銀行跨區(qū)域經(jīng)營的現(xiàn)狀，指出了城市商業(yè)銀行跨區(qū)域經(jīng)營的模式以及目前自身存在的問題。本文的重點是對跨區(qū)域經(jīng)營各種模式下的銀行效率變化進行實證分析，找出影響銀行效率的因素所在，有針對性地提出城市商業(yè)銀行在跨區(qū)域經(jīng)營中提高效率的建議。 本文選取近幾年城市商業(yè)銀行中具有代表性的幾家銀行數(shù)據(jù)，運用DEA理論模型，對城市商業(yè)銀行跨區(qū)域后效率的變化進行了實證分析，，總結(jié)了跨區(qū)域經(jīng)營影響其銀行效率變化的幾個重要因素。最終的研究結(jié)論為：一是城市商業(yè)銀行跨區(qū)域經(jīng)營后，隨著資產(chǎn)規(guī)模的迅速擴張、資本實力的增強，有利于提升銀行的效率。二是并不是所有城市商業(yè)銀行都適合跨區(qū)域經(jīng)營，跨區(qū)域經(jīng)營有多種模式可以采取，城市商業(yè)銀行只有根據(jù)自身特色，找到最適合自己的發(fā)展模式，才能更有效地提升銀行效率。最后結(jié)合前文的理論分析和實證分析，對如何在跨區(qū)域發(fā)展戰(zhàn)略中提升城市商業(yè)銀行的效率提出了建議。
[Abstract]:As the third echelon of China's banking system, the city commercial bank was mainly controlled by its territory at the beginning of its establishment. Since the deregulation in 2006, Shanghai Bank has opened its first offsite branch, and then various modes of cross-regional operation have sprung up. In recent years, the speed of cross-regional expansion is getting faster and faster, each city commercial bank begins to "run horses to encircle land", occupy respective market share. With the rapid expansion of cross-regional wave, some problems also gradually appear. For example, some branches set up by banks are in a state of loss, the internal risks of banks are increased, and the reserve savings talents are seriously insufficient. How to effectively improve the efficiency of urban commercial banks in the process of cross-regional development has an important practical significance to enhance the overall comprehensive competitiveness of urban commercial banks. It is also of great significance for the sustainable development of urban commercial banks in China. Based on the analysis of the theory of bank efficiency, this paper is guided by the domestic and foreign scholars' research on the influence of commercial banks' cross-regional operation on the efficiency of banks under the background of large-scale cross-regional expansion of urban commercial banks. Combined with the current situation of cross-regional operation of urban commercial banks in China, the paper points out the mode of cross-regional operation of urban commercial banks and the existing problems. This paper focuses on the empirical analysis of the changes of bank efficiency under various modes of cross-regional operation, finds out the factors that affect the efficiency of banks, and puts forward some suggestions to improve the efficiency of urban commercial banks in cross-regional operation. This paper selects several representative bank data in the city commercial bank in recent years, uses the DEA theory model, has carried on the empirical analysis to the urban commercial bank cross-regional efficiency change. This paper summarizes several important factors that cross-regional operation affects the change of bank efficiency. The final conclusions are as follows: first, with the rapid expansion of assets and the enhancement of capital strength, urban commercial banks can improve the efficiency of banks. Second, not all urban commercial banks are suitable for cross-regional management. There are various modes of cross-regional management. Urban commercial banks can only find the most suitable development model for themselves according to their own characteristics. In order to improve the efficiency of banks more effectively. Finally, based on the theoretical analysis and empirical analysis above, some suggestions on how to improve the efficiency of urban commercial banks in the cross-regional development strategy are put forward.
【學位授予單位】：天津商業(yè)大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.33;F224

【引證文獻】

相關(guān)碩士學位論文 前1條

1 何雯潔;蘭州銀行跨區(qū)域發(fā)展戰(zhàn)略研究[D];蘭州大學;2013年

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