我國城市商業(yè)銀行差異化經(jīng)營研究
發(fā)布時(shí)間：2018-08-02 21:35
【摘要】：我國的改革已經(jīng)進(jìn)入了深水區(qū),經(jīng)濟(jì)金融進(jìn)行著深刻的變革。在經(jīng)濟(jì)發(fā)展方式轉(zhuǎn)變、利率市場化、金融深化加劇和國際金融監(jiān)管逐步加強(qiáng)的情況下,本文集中研究了城市商業(yè)銀行相對(duì)于全國性商業(yè)銀行差異化經(jīng)營和發(fā)展問題。本文首先回顧了現(xiàn)有的城市商業(yè)銀行差異化經(jīng)營的文獻(xiàn),并分析了現(xiàn)階段我國城市商業(yè)銀行相對(duì)于全國性商業(yè)銀行同質(zhì)化經(jīng)營的現(xiàn)狀和問題,認(rèn)為城市商業(yè)銀行采用與全國性商業(yè)銀行同質(zhì)化經(jīng)營的模式已經(jīng)不能適應(yīng)經(jīng)濟(jì)發(fā)展的新要求,需要進(jìn)行差異化經(jīng)營。在理論研究方面,通過構(gòu)建理論模型、運(yùn)用比較的方法,深入研究了城市商業(yè)銀行相對(duì)于全國性商業(yè)銀行同質(zhì)化經(jīng)營和差異化經(jīng)營兩種策略的經(jīng)營效果。結(jié)果發(fā)現(xiàn),城市商業(yè)銀行因?yàn)楸热珖陨虡I(yè)銀行更加了解當(dāng)?shù)亟?jīng)濟(jì)發(fā)展?fàn)顩r,與當(dāng)?shù)亟?jīng)濟(jì)發(fā)展更加緊密,在當(dāng)?shù)匾哺哂懈鞣N關(guān)系,所以差異化的經(jīng)營策略更能發(fā)揮城市商業(yè)銀行的比較優(yōu)勢。在實(shí)證方面,通過理論模型的研究,本文從資產(chǎn)和負(fù)債兩個(gè)角度進(jìn)一步采用中國市場的數(shù)據(jù)進(jìn)行了驗(yàn)證.結(jié)果發(fā)現(xiàn),城市商業(yè)銀行在零售業(yè)信貸、中小企業(yè)信貸方面比全國性大型商業(yè)銀行更加具有明顯的競爭優(yōu)勢.因此,應(yīng)當(dāng)發(fā)揮這些優(yōu)勢,實(shí)現(xiàn)差異化的經(jīng)營.在此基礎(chǔ)上,本文進(jìn)一步從經(jīng)營區(qū)位、金融創(chuàng)新和公司治理三個(gè)方面來闡述城市商業(yè)銀行相對(duì)于全國性商業(yè)銀行的差異化經(jīng)營。在經(jīng)營區(qū)位方面,以經(jīng)營效率為視角,分析了城市商業(yè)銀行采用同質(zhì)化經(jīng)營的策略——跨區(qū)經(jīng)營之后的效率變化。結(jié)果發(fā)現(xiàn)城市商業(yè)銀行跨區(qū)經(jīng)營并沒能帶來經(jīng)營效率的改進(jìn),反而在差異化發(fā)展方面更具備效率的提升,進(jìn)一步說明城市商業(yè)銀行需要施行與全國性商業(yè)銀行差異化的經(jīng)營區(qū)位定位。在金融創(chuàng)新方面,研究了近兩年來城市商業(yè)銀行相對(duì)于全國性商業(yè)銀行差異化的同業(yè)金融創(chuàng)新。由于我國對(duì)商業(yè)銀行采用存貸比、貸款規(guī)模等指標(biāo)進(jìn)行信貸限制,導(dǎo)致全國性商業(yè)銀行通常是資金充足而遇到監(jiān)管瓶頸，，而城市商業(yè)銀行存在資金應(yīng)用的機(jī)會(huì)。城市商業(yè)銀行和全國性商業(yè)銀行之間通過同業(yè)業(yè)務(wù)進(jìn)行了金融創(chuàng)新、規(guī)避了規(guī)模限制,有效的降低了資本的占用。同業(yè)業(yè)務(wù)創(chuàng)新包括同業(yè)代付、同業(yè)償付、票據(jù)和信托收益權(quán)的返售回購等,這些創(chuàng)新在當(dāng)前中國市場中得到廣泛應(yīng)用。本文的研究認(rèn)為,城市商業(yè)銀行的同業(yè)金融創(chuàng)新雖然能夠提升資金效率,但是也會(huì)帶來流動(dòng)性風(fēng)險(xiǎn)和信用風(fēng)險(xiǎn),會(huì)擴(kuò)大貨幣的供給,值得城市商業(yè)銀行和監(jiān)管結(jié)構(gòu)的注意。在公司治理方面,本文研究了境外戰(zhàn)略投資者在城市商業(yè)銀行和全國性商業(yè)銀行中的不同作用。通過對(duì)比分析發(fā)現(xiàn),境外戰(zhàn)略投資者在城市商業(yè)銀行中能夠有效的提升經(jīng)營水平、盈利能力和成本控制能力,而在大型全國性商業(yè)銀行中則沒能表現(xiàn)出相應(yīng)的能力。因此城市商業(yè)銀行應(yīng)當(dāng)做出與全國性商業(yè)銀行不同的股權(quán)結(jié)構(gòu)安排,以差異化的股權(quán)結(jié)構(gòu)來實(shí)現(xiàn)更完善的公司治理。本文針對(duì)城市商業(yè)銀行與全國性商業(yè)銀行差異化的研究,從經(jīng)營的層面上看,旨在為城市商業(yè)銀行實(shí)現(xiàn)相對(duì)于全國性商業(yè)銀行差異化的發(fā)展提供理論依據(jù)；從金融發(fā)展的層面上來看,城市商業(yè)銀行差異化的發(fā)展也能夠豐富我國的銀行體系,提供差異化的金融產(chǎn)品和服務(wù),能夠一定程度上解決中小企業(yè)融資困難的問題,能夠?qū)崿F(xiàn)多層次的經(jīng)營結(jié)構(gòu)和經(jīng)營體系,能夠更好的適應(yīng)國家宏觀經(jīng)濟(jì)進(jìn)一步改革和發(fā)展的需要；從學(xué)術(shù)研究的角度來看,本文旨在豐富我國城市商業(yè)銀行的研究,討論了城市商業(yè)銀行相對(duì)于全國性商業(yè)銀行差異化經(jīng)營在理論和實(shí)證上的必要性,探討的城市商業(yè)銀行在經(jīng)營區(qū)位、金融創(chuàng)新與公司治理等方面差異化經(jīng)營的議題。
[Abstract]:The reform of our country has entered the deep water area, and the economic and financial reform has carried on profound changes. In the case of the transformation of the mode of economic development, the marketization of interest rate, the deepening of the financial deepening and the gradual strengthening of the international financial supervision, this paper focuses on the problem of the dissimilation and development of urban commercial banks relative to the national commercial banks. This paper reviews the existing documents of the existing urban commercial banks' differential operation, and analyzes the current situation and problems of the homogeneous management of urban commercial banks in China relative to the national commercial banks, and holds that the model of the homogeneity of the commercial banks with the national commercial banks has not adapted to the new requirements of the economic development. In the field of theoretical research, through the construction of theoretical model and the comparative method, the management effect of the two strategies of the homogeneity and differential operation of urban commercial banks relative to the national commercial banks is deeply studied. The results show that the urban commercial banks are more aware of the local classics than the national commercial banks. The situation of economic development is more closely related to the local economic development, and there is also a variety of relations in the local area, so the differentiated management strategy can give full play to the comparative advantage of the city commercial banks. In the empirical aspect, through the research of the theoretical model, the data of the Chinese market is verified from two aspects of assets and liabilities. It is found that the urban commercial banks have more obvious competitive advantages over the retail credit and the credit of small and medium-sized enterprises than the national large commercial banks. Therefore, they should play these advantages to realize the differential operation. On the basis of this, this paper further expounds the city commercial bank from three aspects of management location, financial innovation and corporate governance. In the perspective of operating efficiency, the strategy of the homogeneity management of urban commercial banks - the efficiency changes after the cross district operation is analyzed in the perspective of operational efficiency. It is more efficient to improve the efficiency of the city commercial banks need to implement the differential operation location positioning with the national commercial banks. In the financial innovation, in the past two years, the urban commercial banks, compared with the national commercial banks, have been developed in the same industry. Credit restrictions, such as the scale of the funds, lead to the national commercial banks usually have sufficient funds and meet the regulatory bottlenecks, and the urban commercial banks have the opportunity to use the funds. Between the commercial banks and the national commercial banks, the financial innovation is carried out between the commercial banks and the national commercial banks, which have avoided the scale limit and effectively reduced the occupation of capital. These innovations are widely used in the current Chinese market. The research in this paper holds that, although the financial innovation of the city commercial banks can improve the capital efficiency, it will also bring liquidity risk and credit risk and will expand. The supply of money is worth the attention of the urban commercial banks and the regulatory structure. In the aspect of corporate governance, this paper studies the different roles of foreign strategic investors in urban commercial banks and national commercial banks. Through comparative analysis, it is found that foreign strategic investors can effectively improve their operating level and profit in urban commercial banks. The capacity and cost control ability, but not in the large national commercial banks can not show the corresponding ability. Therefore, the city commercial bank should make the different ownership structure arrangement with the national commercial bank, with the dissimilated ownership structure to realize the more perfect corporate governance. This article aims at the city commercial bank and the National Commercial Bank On the level of management, the study of line differentiation aims at providing a theoretical basis for the development of urban commercial banks relative to the differential development of national commercial banks. From the level of financial development, the differential development of urban commercial banks can also enrich our banking system and provide differentiated financial products and services. To a certain extent, to solve the problem of financing difficulties of small and medium-sized enterprises, it can realize the multi-level management structure and management system, and can better adapt to the needs of the further reform and development of the national macro-economy. From the angle of academic research, this paper aims to enrich the research of the urban Commercial Bank of China and discuss the city commercial bank. For the necessity of the dissimilation operation of the national commercial banks in theory and demonstration, the issues of differential operation of urban commercial banks in the management location, financial innovation and corporate governance are discussed.
【學(xué)位授予單位】：天津財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：博士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.33
[Abstract]:The reform of our country has entered the deep water area, and the economic and financial reform has carried on profound changes. In the case of the transformation of the mode of economic development, the marketization of interest rate, the deepening of the financial deepening and the gradual strengthening of the international financial supervision, this paper focuses on the problem of the dissimilation and development of urban commercial banks relative to the national commercial banks. This paper reviews the existing documents of the existing urban commercial banks' differential operation, and analyzes the current situation and problems of the homogeneous management of urban commercial banks in China relative to the national commercial banks, and holds that the model of the homogeneity of the commercial banks with the national commercial banks has not adapted to the new requirements of the economic development. In the field of theoretical research, through the construction of theoretical model and the comparative method, the management effect of the two strategies of the homogeneity and differential operation of urban commercial banks relative to the national commercial banks is deeply studied. The results show that the urban commercial banks are more aware of the local classics than the national commercial banks. The situation of economic development is more closely related to the local economic development, and there is also a variety of relations in the local area, so the differentiated management strategy can give full play to the comparative advantage of the city commercial banks. In the empirical aspect, through the research of the theoretical model, the data of the Chinese market is verified from two aspects of assets and liabilities. It is found that the urban commercial banks have more obvious competitive advantages over the retail credit and the credit of small and medium-sized enterprises than the national large commercial banks. Therefore, they should play these advantages to realize the differential operation. On the basis of this, this paper further expounds the city commercial bank from three aspects of management location, financial innovation and corporate governance. In the perspective of operating efficiency, the strategy of the homogeneity management of urban commercial banks - the efficiency changes after the cross district operation is analyzed in the perspective of operational efficiency. It is more efficient to improve the efficiency of the city commercial banks need to implement the differential operation location positioning with the national commercial banks. In the financial innovation, in the past two years, the urban commercial banks, compared with the national commercial banks, have been developed in the same industry. Credit restrictions, such as the scale of the funds, lead to the national commercial banks usually have sufficient funds and meet the regulatory bottlenecks, and the urban commercial banks have the opportunity to use the funds. Between the commercial banks and the national commercial banks, the financial innovation is carried out between the commercial banks and the national commercial banks, which have avoided the scale limit and effectively reduced the occupation of capital. These innovations are widely used in the current Chinese market. The research in this paper holds that, although the financial innovation of the city commercial banks can improve the capital efficiency, it will also bring liquidity risk and credit risk and will expand. The supply of money is worth the attention of the urban commercial banks and the regulatory structure. In the aspect of corporate governance, this paper studies the different roles of foreign strategic investors in urban commercial banks and national commercial banks. Through comparative analysis, it is found that foreign strategic investors can effectively improve their operating level and profit in urban commercial banks. The capacity and cost control ability, but not in the large national commercial banks can not show the corresponding ability. Therefore, the city commercial bank should make the different ownership structure arrangement with the national commercial bank, with the dissimilated ownership structure to realize the more perfect corporate governance. This article aims at the city commercial bank and the National Commercial Bank On the level of management, the study of line differentiation aims at providing a theoretical basis for the development of urban commercial banks relative to the differential development of national commercial banks. From the level of financial development, the differential development of urban commercial banks can also enrich our banking system and provide differentiated financial products and services. To a certain extent, to solve the problem of financing difficulties of small and medium-sized enterprises, it can realize the multi-level management structure and management system, and can better adapt to the needs of the further reform and development of the national macro-economy. From the angle of academic research, this paper aims to enrich the research of the urban Commercial Bank of China and discuss the city commercial bank. For the necessity of the dissimilation operation of the national commercial banks in theory and demonstration, the issues of differential operation of urban commercial banks in the management location, financial innovation and corporate governance are discussed.
【學(xué)位授予單位】：天津財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：博士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.33
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