本文選題：社區(qū)銀行 + 銀行轉(zhuǎn)型��； 參考：《湘潭大學(xué)》2017年碩士論文

【摘要】：隨著我國經(jīng)濟(jì)改革重心的逐步轉(zhuǎn)移,中小企業(yè)的健康發(fā)展和居民的金融需求也得到越來越多的關(guān)注。但近年來,我國銀行業(yè)結(jié)構(gòu)幾乎趨近于完善,其中包含有5家國有商業(yè)銀行、12家股份制商業(yè)銀行、城市商業(yè)銀行以及農(nóng)村金融機(jī)構(gòu)等,唯獨社區(qū)銀行的實踐和發(fā)展經(jīng)驗少之又少。我國的社區(qū)銀行是指在城市內(nèi)部社區(qū)中開設(shè),旨在為社區(qū)內(nèi)部主體提供個性化、特色化金融服務(wù)的銀行網(wǎng)點。社區(qū)銀行作為彌補個人和中小企業(yè)短期融資以及金融需求的銀行機(jī)構(gòu),銀行業(yè)也將其納入發(fā)展戰(zhàn)略,研究其在發(fā)展中的存在問題具有現(xiàn)實意義。我國有關(guān)社區(qū)銀行發(fā)展和實踐時間較短,而美國富國社區(qū)銀行從1852年成立至今,作為全球發(fā)展最為成功的社區(qū)銀行,擁有著諸多的成功發(fā)展經(jīng)驗,也正是這些經(jīng)驗讓其安然度過金融危機(jī)并獲得了長足發(fā)展。結(jié)合我國社區(qū)銀行的實際發(fā)展情況,總結(jié)篩選出適用于我國發(fā)展的成功經(jīng)驗,并將其充分利用,具有重大現(xiàn)實意義。文章從社區(qū)銀行的概念界定入手,對國外與國內(nèi)學(xué)者對社區(qū)銀行的界定進(jìn)行介紹,并回顧了國內(nèi)外有關(guān)社區(qū)銀行發(fā)展的研究成果。與此同時,基于湘潭BXJY社區(qū)銀行這個具體案例,對其客戶群體和業(yè)務(wù)種類等進(jìn)行介紹和總結(jié),并分析其經(jīng)營狀況,發(fā)現(xiàn)其存在主營業(yè)務(wù)增長速度大幅下降及盈利水平低下等現(xiàn)象。隨之針對其問題進(jìn)行展開分析,如:對中小企業(yè)目標(biāo)群體開發(fā)力度薄弱、理財產(chǎn)品設(shè)計缺乏特色及團(tuán)隊專業(yè)化程度低等。然后,再結(jié)合富國社區(qū)銀行的適用于湘潭BXJY社區(qū)銀行的成功發(fā)展經(jīng)驗,如其專注于小微企業(yè)業(yè)務(wù)和注重電子渠道的配合。最終探討出符合其實際情況的正確發(fā)展方向,提出重視中小企業(yè)目標(biāo)群體,提升團(tuán)隊專業(yè)化程度,多維渠道配合多層營銷等針對社區(qū)銀行的發(fā)展建議,希望能對我國銀行轉(zhuǎn)型與社區(qū)銀行的發(fā)展起到一定幫助,從而促進(jìn)我國銀行業(yè)的健康可持續(xù)發(fā)展。文章具有一定的現(xiàn)實意義,主要體現(xiàn)在從社區(qū)銀行自身角度出發(fā),將湘潭BXJY社區(qū)銀行與美國富國社區(qū)銀行進(jìn)行比較分析,總結(jié)篩選出適用于其的成功經(jīng)驗并進(jìn)行借鑒,從而促進(jìn)我國社區(qū)銀行的發(fā)展。在今后的學(xué)習(xí)和工作中本人也將不斷進(jìn)行跟進(jìn)和完善。
[Abstract]:With the gradual shift of economic reform in China, the healthy development of small and medium-sized enterprises and the financial needs of residents have been paid more and more attention. However, in recent years, the banking structure of our country has almost come to perfection, including 5 state-owned commercial banks, 12 joint-stock commercial banks, urban commercial banks and rural financial institutions, etc. Only the community bank practice and development experience is very little. The community bank in our country refers to the bank network which is set up in the city interior community to provide individualized and characteristic financial service for the main body of the community. As a banking institution to make up for the short-term financing and financial needs of individuals and small and medium-sized enterprises, community banks are also included in the development strategy. It is of practical significance to study the existing problems in the development of community banks. The development and practice of community banks in China is relatively short. Since its establishment in 1852, the Community Bank of America has been the most successful community bank in the world, and has a lot of successful development experiences. It is these experiences that have enabled it to ride out the financial crisis and make great strides. It is of great practical significance to sum up and screen out the successful experiences suitable for the development of our country and make full use of them in combination with the actual development situation of the community banks in our country. Starting with the definition of community bank, this paper introduces the definition of community bank by foreign and domestic scholars, and reviews the research results of community bank development at home and abroad. At the same time, based on the specific case of Xiangtan BXJY Community Bank, this paper introduces and summarizes its customer groups and business types, and analyzes its management situation. Found that its main business growth rate decreased significantly and low profit level and other phenomena. Then the problems are analyzed, such as the weak development of the target group of SMEs, the lack of characteristics in the design of financial products and the low degree of specialization of the team. Then, combining with the successful development experience of Wells Fargo Community Bank suitable for Xiangtan BXJY Community Bank, such as its focus on small and micro enterprise business and the cooperation of electronic channel. Finally, it discusses the correct direction of development in line with its actual situation, and puts forward some suggestions for the development of community banks, such as paying attention to the target groups of small and medium-sized enterprises, enhancing the specialization of the team, coordinating multi-dimensional channels with multi-level marketing, and so on. It is hoped that it will help the transformation of Chinese banks and the development of community banks so as to promote the healthy and sustainable development of China's banking industry. This paper has some practical significance, mainly reflected in the analysis of Xiangtan BXJY Community Bank and the American Rich country Community Bank from the perspective of community bank itself, and summed up and screened out the successful experience suitable for it and used it for reference. So as to promote the development of community banks in China. In the future study and work, I will continue to follow up and improve.
【學(xué)位授予單位】：湘潭大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.3

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本文編號：1956561