城市商業(yè)銀行支持地方經(jīng)濟發(fā)展研究
發(fā)布時間：2019-03-17 17:28
【摘要】：城市商業(yè)銀行脫胎于城市信用社,是化解地方金融風險的特定產(chǎn)物。自1995年第一家城市商業(yè)銀行成立,城市商業(yè)銀行始終堅持“服務地方經(jīng)濟、服務中小企業(yè)和服務城市居民”,助力中小企業(yè)成長,已然成為地方經(jīng)濟發(fā)展不可或缺的力量。與此同時,城商行伴隨著地方經(jīng)濟的發(fā)展自身也不斷成長,截至2016年底,全國133家城市商業(yè)銀行的總資產(chǎn)為22.68萬億元。雖然城商行的資產(chǎn)規(guī)模僅占整個銀行業(yè)的11%,遠遠不及五大行和大型股份制商業(yè)銀行;雖然其網(wǎng)點數(shù)量不到農(nóng)信社的10%,但是在支持地方經(jīng)濟發(fā)展方面城商行的作用不可替代。與大型國有銀行相比,它們運轉(zhuǎn)機制更為靈活;與大型股份制商業(yè)銀行相比,它們創(chuàng)新力更強;與農(nóng)村信用社相比,它們有著更為健全的現(xiàn)代公司治理制度;相比外資銀行,它們更熟悉當?shù)亟?jīng)濟發(fā)展狀況�，F(xiàn)在許多城市商業(yè)銀行逐步走上了跨區(qū)域經(jīng)營之路,北京銀行、南京銀行、寧波銀行成為最早上市的3家城商行。2016年隨著江蘇銀行、杭州銀行等城商行成功上市,沉寂10年的城商行IPO大門再次重啟,許多城商行躍躍欲試。城市商業(yè)銀行跨區(qū)域經(jīng)營、上市融資是否背離了城商行的設(shè)立初衷?目前城市商業(yè)銀行對當?shù)亟?jīng)濟發(fā)展的影響如何?城商行又是如何支持當?shù)亟?jīng)濟發(fā)展?這是本文的主要研究內(nèi)容。本文首先介紹了當前城商行置身的宏觀經(jīng)濟背景,然后結(jié)合數(shù)據(jù)分析了城市商業(yè)銀行的發(fā)展歷程和公司治理現(xiàn)狀,還特別分析了城市商業(yè)銀行支持地方經(jīng)濟發(fā)展的途徑。再次,基于中國經(jīng)濟發(fā)展的區(qū)域性差異,選取區(qū)域代表性城商行樣本,構(gòu)建了實證模型并證明了城商行通過存款貸款業(yè)務能夠顯著支持地方經(jīng)濟的發(fā)展,其稅收貢獻也對當?shù)亟?jīng)濟發(fā)展有一定的促進作用,其中城商行貸款對當?shù)亟?jīng)濟發(fā)展的支持力度最大,同時政府持股比例過大對城商行支持地方經(jīng)濟發(fā)展產(chǎn)生不利影響。最后根據(jù)理論和實證分析提出建議:城市商業(yè)銀行應始終堅持服務地方經(jīng)濟發(fā)展的定位不動搖,根據(jù)區(qū)域經(jīng)濟結(jié)構(gòu)打造特色金融產(chǎn)品與服務;政府應逐步降低對城商行的控股比例和干預;城商行應建立與政府的良性互動關(guān)系,以政府戰(zhàn)略為契機加強同業(yè)合作,完善與地方政府風險共擔利益共享機制。
[Abstract]:The city commercial bank is born out of the city credit cooperative, is the specific product that solves the local financial risk. Since the establishment of the first city commercial bank in 1995, the city commercial bank has always insisted on "serving the local economy, serving the small and medium-sized enterprises and serving the urban residents" to help the small and medium-sized enterprises to grow, and has become an indispensable force in the development of the local economy. At the same time, city commercial banks are also growing along with the development of the local economy, and by the end of 2016, the total assets of the country's 133 urban commercial banks stood at 22.68 trillion yuan. Although the assets of the city commercial banks account for only 11% of the entire banking sector, far less than the five major banks and large joint-stock commercial banks; Although the number of outlets is less than 10% of the rural credit cooperatives, but the role of city firms in supporting local economic development can not be replaced. Compared with large state-owned banks, they are more flexible in operating mechanism, more innovative than large-scale joint-stock commercial banks, and have more perfect modern corporate governance system compared with rural credit cooperatives. They are more familiar with local economic development than foreign banks. Now many city commercial banks have gradually embarked on the road of trans-regional operation. Beijing Bank, Nanjing Bank and Ningbo Bank have become the first three city commercial banks to list. With the successful listing of Jiangsu Bank, Hangzhou Bank and other city commercial firms in 2016, After 10 years of silence, the gate of IPO, a city comptoir, was reopened again, and many of them were eager to try. Urban commercial banks cross-regional operation, listed financing does not deviate from the original purpose of the establishment of urban commercial banks? What is the impact of city commercial banks on local economic development at present? How do city firms support local economic development? This is the main research content of this paper. This paper first introduces the macro-economic background of the city commercial banks, and then analyzes the development course of the city commercial banks and the current situation of corporate governance, and especially analyzes the ways for the city commercial banks to support the development of the local economy. Thirdly, based on the regional differences of China's economic development, this paper selects a sample of regional representative city commercial banks, constructs an empirical model and proves that the city commercial banks can significantly support the development of local economy through deposit and loan business. Its tax contribution to local economic development also has a certain role in promoting, in which city commercial bank loans to the local economic development of the largest support, and the excessive proportion of government ownership of the city commercial banks to support local economic development has a negative impact. Finally, according to the theoretical and empirical analysis, some suggestions are put forward: city commercial banks should always adhere to the orientation of serving the development of local economy and build characteristic financial products and services according to the regional economic structure; The government should gradually reduce the proportion of controlling and interfering with the city commercial bank, establish the positive interactive relationship with the government, take the government strategy as the opportunity to strengthen the cooperation between the same trade and the local government, and perfect the mechanism of sharing the benefits and risks with the local government.
【學位授予單位】：湘潭大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.33;F127
本文編號：2442517
[Abstract]:The city commercial bank is born out of the city credit cooperative, is the specific product that solves the local financial risk. Since the establishment of the first city commercial bank in 1995, the city commercial bank has always insisted on "serving the local economy, serving the small and medium-sized enterprises and serving the urban residents" to help the small and medium-sized enterprises to grow, and has become an indispensable force in the development of the local economy. At the same time, city commercial banks are also growing along with the development of the local economy, and by the end of 2016, the total assets of the country's 133 urban commercial banks stood at 22.68 trillion yuan. Although the assets of the city commercial banks account for only 11% of the entire banking sector, far less than the five major banks and large joint-stock commercial banks; Although the number of outlets is less than 10% of the rural credit cooperatives, but the role of city firms in supporting local economic development can not be replaced. Compared with large state-owned banks, they are more flexible in operating mechanism, more innovative than large-scale joint-stock commercial banks, and have more perfect modern corporate governance system compared with rural credit cooperatives. They are more familiar with local economic development than foreign banks. Now many city commercial banks have gradually embarked on the road of trans-regional operation. Beijing Bank, Nanjing Bank and Ningbo Bank have become the first three city commercial banks to list. With the successful listing of Jiangsu Bank, Hangzhou Bank and other city commercial firms in 2016, After 10 years of silence, the gate of IPO, a city comptoir, was reopened again, and many of them were eager to try. Urban commercial banks cross-regional operation, listed financing does not deviate from the original purpose of the establishment of urban commercial banks? What is the impact of city commercial banks on local economic development at present? How do city firms support local economic development? This is the main research content of this paper. This paper first introduces the macro-economic background of the city commercial banks, and then analyzes the development course of the city commercial banks and the current situation of corporate governance, and especially analyzes the ways for the city commercial banks to support the development of the local economy. Thirdly, based on the regional differences of China's economic development, this paper selects a sample of regional representative city commercial banks, constructs an empirical model and proves that the city commercial banks can significantly support the development of local economy through deposit and loan business. Its tax contribution to local economic development also has a certain role in promoting, in which city commercial bank loans to the local economic development of the largest support, and the excessive proportion of government ownership of the city commercial banks to support local economic development has a negative impact. Finally, according to the theoretical and empirical analysis, some suggestions are put forward: city commercial banks should always adhere to the orientation of serving the development of local economy and build characteristic financial products and services according to the regional economic structure; The government should gradually reduce the proportion of controlling and interfering with the city commercial bank, establish the positive interactive relationship with the government, take the government strategy as the opportunity to strengthen the cooperation between the same trade and the local government, and perfect the mechanism of sharing the benefits and risks with the local government.
【學位授予單位】：湘潭大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.33;F127
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