本文關(guān)鍵詞：光大銀行長(zhǎng)沙分行社區(qū)銀行發(fā)展模式研究　出處：《中南大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 社區(qū)銀行 特色經(jīng)營(yíng) 金融共生理論 產(chǎn)權(quán)理論

【摘要】：摘要：2006年被稱為我國(guó)社區(qū)銀行發(fā)展的元年,社區(qū)銀行成為政策性銀行、國(guó)有商業(yè)銀行、股份制商業(yè)銀行、外資銀行之后的第五種銀行類型,成為我國(guó)銀行體系中不可或缺的一部分。2012年,湖南省眾多商業(yè)銀行同時(shí)將零售業(yè)務(wù)的工作重心轉(zhuǎn)向了社區(qū)銀行的創(chuàng)建。民生、浦發(fā)、興業(yè)等銀行已率先加快了對(duì)優(yōu)質(zhì)社區(qū)資源的搶占速度。銀行業(yè)的競(jìng)爭(zhēng)日益激烈,社區(qū)銀行的發(fā)展蓬勃興起,對(duì)社區(qū)金融的需求也越來(lái)越大。在這種背景下,光大銀行作為中小股份制銀行,有必要加快社區(qū)金融工作推進(jìn)的速度,為未來(lái)在湖南省的發(fā)展壯大奠定堅(jiān)實(shí)的客戶基礎(chǔ)。 為此,本文以光大銀行長(zhǎng)沙分行發(fā)展社區(qū)銀行作為研究對(duì)象,探討研究社區(qū)銀行的發(fā)展模式,為光大銀行在湖南省發(fā)展社區(qū)銀行提供有借鑒意義的研究成果。文中首先回顧了國(guó)內(nèi)外學(xué)者關(guān)于社區(qū)銀行的理論研究成果和方向,在闡述社區(qū)銀行基本理論的基礎(chǔ)上介紹了美國(guó)學(xué)者和我國(guó)學(xué)者對(duì)社區(qū)銀行的界定,并提出社區(qū)銀行具有規(guī)模小、組織形式單一、特色經(jīng)營(yíng)、收費(fèi)服務(wù)低廉、信息公開(kāi)較全面等五個(gè)基本特征。同時(shí),文章闡述了關(guān)于社區(qū)銀行的兩個(gè)理論基礎(chǔ),一是金融共生理論,二是產(chǎn)權(quán)制度理論。并通過(guò)對(duì)美國(guó)、澳大利亞和日本社區(qū)銀行的模式分析,提煉了國(guó)外社區(qū)銀行發(fā)展的經(jīng)驗(yàn)啟示。 文章對(duì)光大銀行長(zhǎng)沙分行在湖南省發(fā)展社區(qū)銀行的環(huán)境進(jìn)行了深入分析,提出光大銀行在湖南省發(fā)展社區(qū)銀行具有的兩大優(yōu)勢(shì)：第一是制定了明確的發(fā)展計(jì)劃和目標(biāo),第二是具有較好的硬件和軟件配套設(shè)施。但是也存在一些劣勢(shì)：第一是關(guān)于社區(qū)銀行的運(yùn)營(yíng)和管理還不成熟,第二是人力資源需要進(jìn)一步充足。通過(guò)環(huán)境分析,文章從三個(gè)方面闡述了光大銀行長(zhǎng)沙分行社區(qū)銀行的發(fā)展策略,即：第一是發(fā)展社區(qū)銀行的相關(guān)要求,第二是選址規(guī)劃要求及運(yùn)營(yíng)服務(wù)體系,第三是運(yùn)營(yíng)核算設(shè)計(jì)及風(fēng)險(xiǎn)控制。同時(shí),文章還進(jìn)一步設(shè)計(jì)了光大銀行在湖南省發(fā)展社區(qū)銀行的運(yùn)營(yíng)模式,包括：主要運(yùn)營(yíng)組織架構(gòu)、主要運(yùn)營(yíng)業(yè)務(wù)、營(yíng)銷(xiāo)策劃與營(yíng)銷(xiāo)實(shí)施模式和投入與利潤(rùn)控制目標(biāo)四個(gè)方面。并提出了相應(yīng)的保障措施：一是通過(guò)建立存款保險(xiǎn)制度、完善相關(guān)扶持政策和法律建設(shè)、推進(jìn)信用體系建設(shè)以及建立和完善社區(qū)銀行行業(yè)自律組織四個(gè)方面的措施來(lái)實(shí)施政策保障。二是通過(guò)建立完善的內(nèi)部控制制度和企業(yè)治理結(jié)構(gòu)、加強(qiáng)風(fēng)險(xiǎn)防范、培養(yǎng)專業(yè)人才以及培育先進(jìn)的企業(yè)文化四個(gè)方面的措施來(lái)實(shí)施內(nèi)部保障。
[Abstract]:Abstract: in 2006, it was called the first year of the development of community banks in our country. Community banks became policy banks, state-owned commercial banks, joint-stock commercial banks and foreign banks. In 2012, many commercial banks in Hunan Province turned the focus of retail business to the establishment of community banks. People's livelihood, Pudong Development. Societe Generale and other banks have taken the lead in speeding up the speed of seizing high-quality community resources. The competition of banking industry is becoming increasingly fierce, the development of community banks is booming, and the demand for community finance is growing. As a medium and small joint-stock bank, Everbright Bank should speed up the development of community finance and lay a solid customer base for the future development of Hunan Province. Therefore, this paper takes Everbright Bank Changsha Branch to develop community bank as the research object, discusses the development model of community bank. For Everbright Bank to develop community banks in Hunan Province to provide reference for the research results. Firstly, this paper reviews the domestic and foreign scholars on the theory of community banks and the direction of research. On the basis of expounding the basic theory of community bank, this paper introduces the definition of community bank by American scholars and Chinese scholars, and points out that community bank has small scale, single organizational form, characteristic management and low charge service. At the same time, the paper expounds two theoretical bases of community bank, one is financial symbiosis theory, the other is property right system theory. The model analysis of community bank in Australia and Japan has refined the experience and enlightenment of the development of foreign community bank. This paper analyzes the environment of Everbright Bank Changsha Branch to develop community bank in Hunan Province. Put forward the Everbright Bank in Hunan Province to develop community banks have two major advantages: the first is to formulate a clear development plan and goals. The second is to have better hardware and software facilities. But there are some disadvantages: first, the operation and management of community banks is not mature; second, human resources need to be further adequate. Through environmental analysis. This paper expounds the development strategy of community bank of Everbright Bank Changsha Branch from three aspects: the first is the related requirements of the development of community bank, the second is the location planning requirements and operation service system. The third is the design of operational accounting and risk control. At the same time, the article further designs the operation model of Everbright Bank in Hunan Province, including: the main operation organization structure, the main operation business. Marketing planning and marketing implementation model and investment and profit control objectives four aspects. And put forward the corresponding safeguards: first, through the establishment of deposit insurance system, improve the relevant support policies and legal construction. To promote the construction of credit system and the establishment and improvement of the community banking industry self-discipline organization to implement the four measures to implement policy protection. Second, through the establishment of a sound internal control system and corporate governance structure, strengthen risk prevention. Training professionals and fostering advanced corporate culture four aspects of measures to implement internal protection.
【學(xué)位授予單位】：中南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.33

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