本文選題：寧波銀行 + 境外戰(zhàn)略投資者　； 參考：《湘潭大學》2017年碩士論文

【摘要】：中國加入世貿組織之前,國外金融機構迫切期望進入我國,分享我國對外開放和經(jīng)濟增長的成果。國外金融機構在公司治理、風險控制、資產管理、信貸文化等方面均具有一定優(yōu)勢。但我國處于經(jīng)濟轉軌時期,整體金融體系不完善、金融市場欠發(fā)達、國內商業(yè)銀行競爭力弱,為避免外資金融機構涌入對國內銀行業(yè)形成沖擊可能引發(fā)金融危機,故爾管理當局采取循序漸進、逐步開放的政策,不允許外資銀行在國內設立分支機構,僅允許其在一定比例范圍內參股中資銀行。為化解城市信用社形成的風險、提高城商行競爭力,本世紀初啟動的城市商業(yè)銀行增資擴股工作正好為國外金融機構進入國內打開了一條通道——境外金融業(yè)主以戰(zhàn)略投資者的身份參股國內城商行,借道進入國內金融市場。1999年國際金融公司投資上海銀行,開啟了境外金融機構進入國內金融市場的大門。本文以寧波銀行引入新加坡華僑銀行為例,探究城商行引入境外戰(zhàn)略投資者動因及績效。文章以當時經(jīng)濟形勢為背景,從2006年寧波銀行引進新加坡華僑銀行的準備工作、整體思路、客觀原因及主觀原因分析,研究寧波銀行引入華僑銀行的動因;然后用財務數(shù)據(jù)對寧波銀行引入華僑銀行的盈利性、流動性、安全性三個角度分析其績效。選擇以寧波銀行為案例,其一是因為寧波銀行乃有代表性的首批上市城商行之一;其二是因為寧波銀行的股權結構符合國有股控股的資本要求。即是說,寧波銀行股權結構更為合理,對外資股而言是參股卻不控股,寧波銀行相對于其他城商行來說其股本結構更符合今后我國城商行引入戰(zhàn)略投資者的戰(zhàn)略意義。結論:城商行引入境外戰(zhàn)略投資者可以提高資本充足率,降低經(jīng)營風險;能夠引進高級管理人才,健全人才機制;能弱化政府控制,拓展國內國際業(yè)務;對于城商行的盈利性、流動性及安全性也都存在一定的正向影響。但是,在引進過程中也存在一些問題,比如合作雙方經(jīng)營目標不一致、分散銀行控制權、引進績效不明顯等等,所以建議城商行在引入境外戰(zhàn)略投資者時應審慎選擇戰(zhàn)略伙伴,延長與戰(zhàn)略合作者合作期限,在此基礎上更應該注重提高銀行自身的經(jīng)營效率,而不應該過度依賴境外金融業(yè)主。
[Abstract]:Before China's entry into the WTO, foreign financial institutions are eager to enter China and share the fruits of China's opening to the outside world and economic growth.Foreign financial institutions have some advantages in corporate governance, risk control, asset management, credit culture and so on.However, our country is in the period of economic transition, the overall financial system is not perfect, the financial market is not developed, and the competitiveness of domestic commercial banks is weak. In order to avoid the impact of the influx of foreign financial institutions on the domestic banking industry, it may lead to a financial crisis.Therefore, the management adopts the policy of gradual and open step by step, and does not allow foreign banks to set up branches in China, but only allows them to participate in Chinese banks within a certain proportion.In order to resolve the risks of urban credit cooperatives and improve the competitiveness of urban commercial banks,At the beginning of this century, the work of increasing capital and expanding shares of city commercial banks launched at the beginning of this century has just opened up a channel for foreign financial institutions to enter the country-foreign financial owners participate in domestic city commercial banks as strategic investors.In 1999, the International Finance Corporation invested in Shanghai Bank, which opened the door for foreign financial institutions to enter the domestic financial market.Taking Ningbo Bank as an example, this paper explores the motivation and performance of overseas strategic investors.Under the background of the economic situation at that time, the paper studies the reasons of Ningbo Bank's introduction of overseas Chinese Bank from Ningbo Bank in 2006, including its preparatory work, overall thinking, objective reasons and subjective reasons.Then the financial data is used to analyze the performance of Ningbo Bank from three angles: profitability, liquidity and security.One is because Ningbo Bank is one of the first listed city commercial banks, the other is because the equity structure of Ningbo Bank meets the capital requirement of state-owned holding.That is to say, the equity structure of Ningbo Bank is more reasonable, but it is not holding shares in foreign capital stocks. Compared with other city commercial banks, Ningbo Bank's equity structure is more in line with the strategic significance of introducing strategic investors to China's City Commercial Bank in the future.Conclusion: the introduction of foreign strategic investors can improve the capital adequacy ratio, reduce the risk of operation, introduce senior management personnel, perfect the talent mechanism, weaken government control, expand domestic and international business, and improve the profitability of city commercial banks.Liquidity and safety also have a certain positive impact.However, there are also some problems in the introduction process, such as the inconsistent business objectives between the two partners, the dispersion of bank control rights, the lack of obvious performance in the introduction of foreign strategic investors, and so on. Therefore, it is suggested that city commercial banks should carefully select strategic partners when introducing foreign strategic investors.On the basis of extending the term of cooperation with strategic partners, we should pay more attention to improving the management efficiency of banks themselves, rather than relying too much on foreign financial owners.
【學位授予單位】：湘潭大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.33

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