我國(guó)城市商業(yè)銀行發(fā)展現(xiàn)狀及經(jīng)營(yíng)績(jī)效研究
發(fā)布時(shí)間：2018-10-05 17:17
【摘要】：城市商業(yè)銀行是20世紀(jì)90年代中期，在城市信用合作社的基礎(chǔ)上建立起來(lái)的，具有中國(guó)特色的金融機(jī)構(gòu)。城市商業(yè)銀行在完善我國(guó)金融體系、協(xié)助當(dāng)?shù)亟鹑诎l(fā)展、為居民提供就業(yè)崗位和服務(wù)便利方面發(fā)揮了難以替代和不可小覷的作用。 城市商業(yè)銀行在建立之初經(jīng)歷了一段比較灰暗的歷史，飽受資產(chǎn)規(guī)模小、資產(chǎn)質(zhì)量低、經(jīng)營(yíng)風(fēng)險(xiǎn)高、從業(yè)人員素質(zhì)低的詬病。近年來(lái)，城市商業(yè)銀行經(jīng)過(guò)自身的不懈努力，通過(guò)引進(jìn)國(guó)內(nèi)國(guó)外戰(zhàn)略投資者、跨區(qū)域重組聯(lián)營(yíng)等途徑改善了資產(chǎn)質(zhì)量、擴(kuò)充了資本實(shí)力，城市商業(yè)銀行的發(fā)展又邁上了一個(gè)新臺(tái)階，寧波銀行、南京銀行、北京銀行這三家銀行發(fā)展優(yōu)秀的城市商業(yè)銀行還加入了上市銀行的行列，城市商業(yè)銀行在新時(shí)代由內(nèi)而外地展現(xiàn)出了新的活力，在發(fā)展過(guò)程中出現(xiàn)的新特點(diǎn)和新問(wèn)題也更值得學(xué)術(shù)界進(jìn)行研究。 本文首先闡述了城市商業(yè)銀行的歷史和現(xiàn)狀，從城市商業(yè)銀行的前身城市信用合作社介紹起，詳細(xì)論述了城市商業(yè)銀行的發(fā)展歷程、在我國(guó)金融體系發(fā)展中起到的作用以及中國(guó)加入世貿(mào)組織后，城市商業(yè)銀行新的發(fā)展趨勢(shì)。隨后，本文介紹了與我國(guó)城市商業(yè)銀行有相似之處的美國(guó)和日本的社區(qū)銀行和地方銀行，通過(guò)對(duì)國(guó)外相關(guān)銀行的情況進(jìn)行總結(jié)，為我國(guó)城市商業(yè)銀行的發(fā)展提供了可借鑒的發(fā)展建議。本文還利用計(jì)量分析軟件，對(duì)最近幾年我國(guó)具有代表性的城市商業(yè)銀行的財(cái)務(wù)數(shù)據(jù)進(jìn)行實(shí)證分析，研究了資產(chǎn)規(guī)模、成本費(fèi)用、經(jīng)營(yíng)管理、所在地宏觀經(jīng)濟(jì)情況等因素對(duì)城市商業(yè)銀行經(jīng)營(yíng)績(jī)效的影響，并根據(jù)實(shí)證分析的結(jié)果結(jié)合我國(guó)目前的金融發(fā)展情況，對(duì)我國(guó)城市商業(yè)銀行未來(lái)的發(fā)展道路作出了相應(yīng)的建議。這也是本文的研究重點(diǎn)和創(chuàng)新之處。 本文在研究方法上，將規(guī)范分析和實(shí)證分析進(jìn)行了結(jié)合使用。首先闡述城市商業(yè)銀行的定義、特點(diǎn)、歷史發(fā)展和作用等，這是規(guī)范分析的范疇；又通過(guò)結(jié)合文獻(xiàn)研究確定影響城市商業(yè)銀行經(jīng)營(yíng)績(jī)效的財(cái)務(wù)指標(biāo)，以及收集我國(guó)具有代表性的城市商業(yè)銀行的具體財(cái)務(wù)數(shù)據(jù)，使用Eviews等軟件進(jìn)行計(jì)量分析，，對(duì)影響城市商業(yè)銀行經(jīng)營(yíng)的因素進(jìn)行了實(shí)證分析；本文結(jié)尾再次使用規(guī)范分析，對(duì)城市商業(yè)銀行未來(lái)的發(fā)展在營(yíng)業(yè)范疇和市場(chǎng)定位方面列出了一些具有參考價(jià)值的建議。根據(jù)之前的參考文獻(xiàn)來(lái)看，我國(guó)學(xué)術(shù)界對(duì)于城市商業(yè)銀行的研究雖然歷史也不算短暫，但研究文獻(xiàn)中規(guī)范分析占絕大部分，都是局限于先闡述城市商業(yè)銀行現(xiàn)今存在的缺陷進(jìn)而提出解決的建議。少部分有實(shí)證分析的文獻(xiàn)，實(shí)證分析部分也只是將收集到的城市商業(yè)銀行的數(shù)據(jù)進(jìn)行橫向或縱向的比較，使用計(jì)量模型進(jìn)行實(shí)證分析的論文非常有限。因此本文使用近年城商行的財(cái)務(wù)數(shù)據(jù)進(jìn)行的實(shí)證分析有一定的創(chuàng)新性，對(duì)研究我國(guó)城市商業(yè)銀行的經(jīng)營(yíng)管理問(wèn)題也有一定的實(shí)際意義。
[Abstract]:City commercial bank was established on the basis of city credit cooperative in the middle of 1990s. City commercial banks play an important role in perfecting our country's financial system, assisting local financial development, providing employment and service convenience for residents. City commercial banks experienced a dark history at the beginning of their establishment. They suffered from the criticism of the small scale of assets, the low quality of assets, the high risk of operation and the low quality of employees. In recent years, through their unremitting efforts, urban commercial banks have improved asset quality and expanded their capital strength through the introduction of domestic and foreign strategic investors and cross-regional reorganization of joint ventures. The development of city commercial banks has reached a new level. Ningbo Bank, Nanjing Bank, Beijing Bank, these three banks, the city commercial banks, have also joined the ranks of listed banks. City commercial banks show new vitality from inside to outside in the new era, and the new characteristics and new problems in the process of development are more worthy of academic research. This paper first describes the history and present situation of the city commercial bank, from the city commercial bank predecessor city credit cooperative introduction, elaborated the city commercial bank development course, After China's entry into WTO, urban commercial banks have a new development trend. Then, this paper introduces the community banks and local banks in the United States and Japan, which are similar to the city commercial banks in China, and summarizes the situation of foreign banks. It provides some suggestions for the development of city commercial banks in China. This paper also makes an empirical analysis of the financial data of representative urban commercial banks in China in recent years with the help of econometric analysis software, and studies the scale of assets, cost and cost, management and management. Based on the results of empirical analysis, this paper makes some suggestions on the future development of urban commercial banks according to the results of empirical analysis combined with the current situation of financial development in China. This is also the focus of this study and innovation. In this paper, normative analysis and empirical analysis are combined. Firstly, the definition, characteristics, historical development and function of urban commercial banks are expounded, which is the scope of normative analysis. And collect the specific financial data of the representative city commercial banks of our country, use Eviews and other software to carry on the econometric analysis, have carried on the empirical analysis to the factors that influence the city commercial bank management; at the end of this article, use the normative analysis again, Some valuable suggestions on the future development of city commercial banks are given in terms of business scope and market orientation. According to the previous references, although the history of our academic research on urban commercial banks is not short, the normative analysis in the research literature accounts for the vast majority. It is limited to expound the present defects of city commercial banks and then put forward some suggestions to solve them. A small number of empirical analysis literature, empirical analysis part is only collected by the city commercial bank data horizontal or vertical comparison, the use of econometric model for empirical analysis of the paper is very limited. Therefore, the empirical analysis based on the financial data of the city commercial bank in recent years is innovative and has certain practical significance for the study of the management problems of the city commercial banks in our country.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.33
本文編號(hào)：2254206
[Abstract]:City commercial bank was established on the basis of city credit cooperative in the middle of 1990s. City commercial banks play an important role in perfecting our country's financial system, assisting local financial development, providing employment and service convenience for residents. City commercial banks experienced a dark history at the beginning of their establishment. They suffered from the criticism of the small scale of assets, the low quality of assets, the high risk of operation and the low quality of employees. In recent years, through their unremitting efforts, urban commercial banks have improved asset quality and expanded their capital strength through the introduction of domestic and foreign strategic investors and cross-regional reorganization of joint ventures. The development of city commercial banks has reached a new level. Ningbo Bank, Nanjing Bank, Beijing Bank, these three banks, the city commercial banks, have also joined the ranks of listed banks. City commercial banks show new vitality from inside to outside in the new era, and the new characteristics and new problems in the process of development are more worthy of academic research. This paper first describes the history and present situation of the city commercial bank, from the city commercial bank predecessor city credit cooperative introduction, elaborated the city commercial bank development course, After China's entry into WTO, urban commercial banks have a new development trend. Then, this paper introduces the community banks and local banks in the United States and Japan, which are similar to the city commercial banks in China, and summarizes the situation of foreign banks. It provides some suggestions for the development of city commercial banks in China. This paper also makes an empirical analysis of the financial data of representative urban commercial banks in China in recent years with the help of econometric analysis software, and studies the scale of assets, cost and cost, management and management. Based on the results of empirical analysis, this paper makes some suggestions on the future development of urban commercial banks according to the results of empirical analysis combined with the current situation of financial development in China. This is also the focus of this study and innovation. In this paper, normative analysis and empirical analysis are combined. Firstly, the definition, characteristics, historical development and function of urban commercial banks are expounded, which is the scope of normative analysis. And collect the specific financial data of the representative city commercial banks of our country, use Eviews and other software to carry on the econometric analysis, have carried on the empirical analysis to the factors that influence the city commercial bank management; at the end of this article, use the normative analysis again, Some valuable suggestions on the future development of city commercial banks are given in terms of business scope and market orientation. According to the previous references, although the history of our academic research on urban commercial banks is not short, the normative analysis in the research literature accounts for the vast majority. It is limited to expound the present defects of city commercial banks and then put forward some suggestions to solve them. A small number of empirical analysis literature, empirical analysis part is only collected by the city commercial bank data horizontal or vertical comparison, the use of econometric model for empirical analysis of the paper is very limited. Therefore, the empirical analysis based on the financial data of the city commercial bank in recent years is innovative and has certain practical significance for the study of the management problems of the city commercial banks in our country.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.33
【引證文獻(xiàn)】
相關(guān)碩士學(xué)位論文 前3條
1 楊逾初;城市商業(yè)銀行電子銀行業(yè)務(wù)發(fā)展策略的研究[D];貴州財(cái)經(jīng)大學(xué);2013年
2 郭杰;我國(guó)城市商業(yè)銀行股權(quán)結(jié)構(gòu)與經(jīng)營(yíng)績(jī)效關(guān)系研究[D];內(nèi)蒙古大學(xué);2013年
3 牧琪爾;我國(guó)城市商業(yè)銀行中間業(yè)務(wù)發(fā)展研究[D];內(nèi)蒙古大學(xué);2013年
本文編號(hào)：2254206
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