【摘要】：城市信用社進(jìn)行改制成為城市商業(yè)銀行的根本原因,是為了化解我國城市信用社時(shí)期積累起來的大量的金融風(fēng)險(xiǎn),監(jiān)管機(jī)構(gòu)從風(fēng)險(xiǎn)防范的角度考慮從而確定了“為地方經(jīng)濟(jì)的發(fā)展服務(wù),為地方的企業(yè)和居民服務(wù)”的經(jīng)營理念和方針。由于城市商業(yè)銀行的基礎(chǔ)不好,歷史遺留問題非常嚴(yán)重,前期的不良資產(chǎn)的問題也隨之轉(zhuǎn)移到城市商業(yè)銀行上,這些不足再加上監(jiān)管部門的限制也就注定了城市商業(yè)銀行在初期不具備跨區(qū)域發(fā)展的實(shí)力；伴隨著城市商業(yè)銀行自身實(shí)力不斷壯大,資產(chǎn)規(guī)模也較以前有了巨大的提高,競爭力明顯增強(qiáng),這時(shí)單一城市制經(jīng)營的弊端也就開始顯現(xiàn),城市商業(yè)銀行的客戶服務(wù)能力由于受到業(yè)務(wù)開展地域的限制,使它在激烈的市場競爭中處于非常不利的地位,致使它存在著非常大的系統(tǒng)性風(fēng)險(xiǎn)；另一方面中小企業(yè)融資難的問題依然嚴(yán)重,有著強(qiáng)烈的資金需求,而跨區(qū)域發(fā)展無疑是這兩大問題解決的關(guān)鍵。但在跨區(qū)域發(fā)展的過程之中,城市商業(yè)銀行也暴露出其風(fēng)險(xiǎn)控制不足,盲目設(shè)立異地分支機(jī)構(gòu),管理體系混亂等問題,各種風(fēng)險(xiǎn)也隨之產(chǎn)生。 本文在研究方法上采取的是規(guī)范分析法和對(duì)比分析法,從介紹城市商業(yè)銀行跨區(qū)域發(fā)展的各種理論基礎(chǔ)開始,解讀其選擇跨區(qū)域發(fā)展的各種原因,也詳細(xì)地介紹了城市商業(yè)銀行各個(gè)時(shí)期發(fā)展歷程以及跨區(qū)域發(fā)展的現(xiàn)狀,分析了城市商業(yè)銀行進(jìn)行跨區(qū)域發(fā)展的各種模式,進(jìn)行實(shí)例論證說明并結(jié)各個(gè)模式之間的優(yōu)劣勢(shì),得出跨區(qū)域發(fā)展的具體成效。通過案例分析發(fā)現(xiàn)跨區(qū)域發(fā)展存在的問題以及產(chǎn)生問題的原因,總結(jié)出我國城市商業(yè)銀行跨區(qū)域發(fā)展的經(jīng)驗(yàn),選擇出適合我國城市商業(yè)銀行跨區(qū)域發(fā)展的模式,同時(shí)對(duì)我國城市商業(yè)銀行跨區(qū)域發(fā)展產(chǎn)生的問題提出具體的對(duì)策和措施。
[Abstract]:The reform of urban credit cooperatives has become the fundamental cause of urban commercial banks, in order to resolve the accumulated financial risks accumulated during the period of urban credit cooperatives in China. From the point of view of risk prevention, the supervision institution has determined the management idea and policy of "serving for the development of local economy, serving local enterprises and residents". As the foundation of urban commercial banks is not good, the problems left over by history are very serious, and the problems of non-performing assets in the preceding period have also been transferred to urban commercial banks. These deficiencies and regulatory restrictions have doomed the city commercial banks not to have the strength of cross-regional development in the initial period; with the city commercial banks' own strength growing, the assets scale has also been greatly improved. The competitiveness is obviously strengthened, and then the malpractice of single city management begins to appear. The customer service ability of the city commercial bank is restricted by the region of business development, which makes it in a very disadvantageous position in the fierce market competition. On the other hand, the problem of financing difficulties of SMEs is still serious, there is a strong demand for funds, and cross-regional development is undoubtedly the key to solve these two problems. However, in the process of cross-regional development, urban commercial banks also exposed the lack of risk control, blindly set up branches in different places, management system confusion and other problems, and all kinds of risks also emerged. In this paper, normative analysis and comparative analysis are adopted in the research methods, starting with the introduction of various theoretical bases of cross-regional development of urban commercial banks, the reasons for their choice of cross-regional development are explained. It also introduces in detail the development course of each period of city commercial bank and the present situation of cross-regional development, analyzes the various modes of cross-regional development of city commercial bank, and demonstrates the merits and demerits of each model by an example. The concrete effect of cross-regional development is obtained. Through the case analysis, we find the problems existing in the cross-regional development and the causes of the problems, sum up the experience of cross-regional development of China's urban commercial banks, and choose the model suitable for the cross-regional development of our country's urban commercial banks. At the same time, the paper puts forward specific countermeasures and measures to the problems arising from the cross-regional development of urban commercial banks in China.
【學(xué)位授予單位】：首都經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.33

【引證文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前6條

1 冷澤宇;九臺(tái)農(nóng)商銀行發(fā)展戰(zhàn)略研究[D];吉林大學(xué);2016年

2 孫曉麒;我國城市商業(yè)銀行跨區(qū)域經(jīng)營問題研究[D];暨南大學(xué);2016年

3 李子飛;GXBBW銀行發(fā)展戰(zhàn)略研究[D];廣西大學(xué);2016年

4 黃衛(wèi)瓊;我國城市商業(yè)銀行跨區(qū)域經(jīng)營模式問題研究[D];暨南大學(xué);2015年

5 彭楚帆;跨區(qū)域經(jīng)營下城市商業(yè)銀行效率研究[D];湖南師范大學(xué);2015年

6 汪春陽;我國城市商業(yè)銀行跨區(qū)域經(jīng)營效率評(píng)價(jià)[D];山東財(cái)經(jīng)大學(xué);2015年

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本文編號(hào)：2267304