本文選題：城市商業(yè)銀行 + 戰(zhàn)略轉(zhuǎn)型��； 參考：《天津財經(jīng)大學(xué)》2014年碩士論文

【摘要】：我國的城市商業(yè)銀行是在特殊金融機(jī)制背景下產(chǎn)生的,在幾十年的發(fā)展過程中,不斷改革,取得了眾多階段性的成果。截至2012年年末,我國城市商業(yè)銀行共有144家,資產(chǎn)總額為12.35億元,負(fù)債總額為11.54億元,資產(chǎn)和負(fù)債總額占銀行業(yè)金融機(jī)構(gòu)總資產(chǎn)和總負(fù)債的比重均為9.24%。我國城市商業(yè)銀行取得階段性的成果,離不開監(jiān)管政策的引領(lǐng)推動、地方政府的大力支持和城市商業(yè)銀行自身艱辛的付出等多方面的努力,涌現(xiàn)了一大批經(jīng)營狀況良好,盈利能力較強(qiáng)的優(yōu)秀銀行,如北京銀行、南京銀行、寧波銀行等,進(jìn)一步完善了我國的金融市場體系。雖然我國城市商業(yè)銀行的發(fā)展取得優(yōu)異的成績,但是仍有諸多問題尚未解決。如歷史遺留的不良資產(chǎn)率居高不下、產(chǎn)權(quán)結(jié)構(gòu)不合理、股東結(jié)構(gòu)單一、信息化建設(shè)程度不高等問題,一直制約著我國城市商業(yè)銀行的進(jìn)一步發(fā)展。與國有商業(yè)銀行及股份制商業(yè)銀行相比,綜合競爭實力嚴(yán)重不足,規(guī)模擴(kuò)張能力較弱。另一方面,世界經(jīng)濟(jì)進(jìn)入深度轉(zhuǎn)型調(diào)整期,我國的金融改革又進(jìn)入關(guān)鍵時期,隨著利率市場化的全面推進(jìn),中國銀行業(yè)必將面臨新的發(fā)展拐點(diǎn)。作為地方金融機(jī)構(gòu)的重要成員,我國的城市商業(yè)銀行在國內(nèi)外新的金融形勢下,面對利率市場化的持續(xù)推進(jìn)、“金融脫媒”現(xiàn)象的不斷顯現(xiàn)、同業(yè)競爭的不斷加劇以及互聯(lián)網(wǎng)金融快速發(fā)展的沖擊,戰(zhàn)略轉(zhuǎn)型之路迫在眉睫。本文通過分析我國城市商業(yè)銀行的發(fā)展與演變歷程,借鑒國內(nèi)外中小商業(yè)銀行的成功實踐經(jīng)驗,探索我國城市商業(yè)銀行的轉(zhuǎn)型發(fā)展之路,具有一定的理論和現(xiàn)實意義。全文共有五部分：第一部分為導(dǎo)論,主要介紹了本文的研究目的、國內(nèi)外的研究概況以及研究思路和方法；第二部分對我國城市商業(yè)銀行的戰(zhàn)略轉(zhuǎn)型進(jìn)行了基本的分析；第三部分,對我國城市商業(yè)銀行的歷史沿革以及現(xiàn)狀進(jìn)行了研究；第四部分,總結(jié)了國內(nèi)外中小商業(yè)銀行的成功發(fā)展經(jīng)驗；第五部分,提出對我國城市商業(yè)銀行戰(zhàn)略轉(zhuǎn)型的建議及對策。
[Abstract]:The city commercial banks of our country are produced under the background of special financial mechanism. In the course of several decades' development, the city commercial banks have been reformed constantly and made many achievements in stages. By the end of 2012, there were 144 urban commercial banks in China, with total assets of 1.235 billion yuan and total liabilities of 1.154 billion yuan. The proportion of assets and liabilities to the total assets and liabilities of banking financial institutions was 9.24 yuan. The city commercial bank of our country obtains the stage achievement, cannot leave the supervision policy leading to push, the local government vigorously supports and the city commercial bank oneself hard pay and so on many aspects efforts, has sprung up a large number of management condition to be good. Excellent banks with strong profitability, such as Bank of Beijing, Bank of Nanjing, Bank of Ningbo and so on, have further improved our financial market system. Although the development of city commercial banks in China has made outstanding achievements, there are still many problems to be solved. For example, the high rate of non-performing assets left over by history, the unreasonable structure of property rights, the single structure of shareholders and the low level of information construction have been restricting the further development of urban commercial banks in China. Compared with state-owned commercial banks and joint-stock commercial banks, the comprehensive competitive strength is seriously insufficient and the ability of scale expansion is weak. On the other hand, the world economy has entered the period of deep transformation and adjustment, and China's financial reform has entered a critical period. With the overall promotion of interest rate marketization, China's banking industry is bound to face a new development inflection point. As an important member of the local financial institutions, under the new financial situation at home and abroad, the city commercial banks of our country are facing the continuous promotion of the marketization of interest rates, and the phenomenon of "financial disintermediation" is constantly appearing. With the aggravation of interbank competition and the impact of the rapid development of Internet finance, the road of strategic transformation is imminent. This paper analyzes the development and evolution of urban commercial banks in China, draws on the successful practical experience of small and medium-sized commercial banks at home and abroad, and explores the road of transformation and development of urban commercial banks in China, which has certain theoretical and practical significance. There are five parts in this paper: the first part is the introduction, which mainly introduces the research purpose, the domestic and foreign research situation, the research thought and the method, the second part has carried on the basic analysis to the strategic transformation of the city commercial bank of our country; The third part studies the history and present situation of the city commercial banks in our country; the fourth part summarizes the successful development experience of the small and medium-sized commercial banks at home and abroad; the fifth part, This paper puts forward some suggestions and countermeasures for the strategic transformation of urban commercial banks in China.
【學(xué)位授予單位】：天津財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.33;F272

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