本文選題：城市商業(yè)銀行 + 跨區(qū)域發(fā)展��； 參考：《廈門大學(xué)》2014年碩士論文

【摘要】：十多年來,城市商業(yè)銀行已成為我國銀行業(yè)的重要組成部分。這一群體中的大中型城市商業(yè)銀行突破傳統(tǒng)地域性模式、進(jìn)行跨區(qū)域經(jīng)營已成為業(yè)務(wù)拓展的重要手段,也幫助城市商業(yè)銀行取得規(guī)模效應(yīng)、降低區(qū)域性風(fēng)險并擴(kuò)大品牌影響力,但在這一過程中也往往伴隨著各種風(fēng)險。如果城市商業(yè)銀行不能對其在跨區(qū)域發(fā)展過程中面臨的風(fēng)險加以正確認(rèn)識并進(jìn)行有效地控制,最終將面臨財務(wù)損失甚至破產(chǎn),因此,城市商業(yè)銀行跨區(qū)域財務(wù)風(fēng)險管控的問題是一項亟待研究的課題。 城市商業(yè)銀行跨區(qū)域經(jīng)營的潮流起于最近幾年,有關(guān)其跨區(qū)域財務(wù)風(fēng)險的研究還比較少。本文著眼于城市商業(yè)銀行跨區(qū)域財務(wù)風(fēng)險的識別與管控,在對城商行跨區(qū)域財務(wù)風(fēng)險進(jìn)行定性分析的基礎(chǔ)上,以跨區(qū)域經(jīng)營的城市商業(yè)銀行——C銀行為案例,分析其對不同類型跨區(qū)域財務(wù)風(fēng)險進(jìn)行管理的現(xiàn)狀,著重揭示其跨區(qū)域財務(wù)風(fēng)險管控的弱點(diǎn),并提出相應(yīng)的提升建議 本文的主要貢獻(xiàn)如下： (1)與現(xiàn)有少量相關(guān)研究文獻(xiàn)零星地關(guān)注城市商業(yè)銀行跨區(qū)域經(jīng)營中某一特定類型財務(wù)風(fēng)險相比,本文嘗試更系統(tǒng)地對城市商業(yè)銀行在跨區(qū)域發(fā)展中所面臨的財務(wù)風(fēng)險進(jìn)行探討。結(jié)合跨區(qū)域發(fā)展這一過程的特殊性,本文基于過程的觀點(diǎn)并從增量風(fēng)險的角度對城商行跨區(qū)域財務(wù)風(fēng)險類型進(jìn)行識別,同時對城商行跨區(qū)域財務(wù)風(fēng)險的來源與特征進(jìn)行分析,在此基礎(chǔ)上,試圖提出一個針對城商行跨區(qū)域財務(wù)風(fēng)險管控的整體思路,希望能提供一些新的研究視角。(2)結(jié)合實(shí)際情況,對案例銀行C銀行在跨區(qū)域發(fā)展中所面臨不同類型的財務(wù)風(fēng)險及管控現(xiàn)狀進(jìn)行比較詳細(xì)的分析,指出其目前在跨區(qū)域財務(wù)風(fēng)險管控中存在的問題并提出有針對性的建議,希望能夠為其它城商行跨區(qū)域財務(wù)風(fēng)險管控實(shí)踐提供有益的借鑒。
[Abstract]:In the past ten years, the city commercial bank has become an important part of our country's banking industry. In this group, the large and medium-sized city commercial banks break through the traditional regional mode and carry on cross-regional management, which has become an important means of business expansion, and also helps the city commercial banks to obtain scale effect, reduce regional risk and expand brand influence. But in this process also often accompanied by a variety of risks. If the city commercial banks can not correctly understand and control the risks they face in the process of cross-regional development, they will eventually face financial losses or even bankruptcy. The problem of cross-regional financial risk control in city commercial banks is an urgent task to be studied. The trend of cross-regional management of city commercial banks began in recent years, but the research on cross-regional financial risk is still relatively few. This paper focuses on the identification and management of cross-regional financial risk of urban commercial banks. On the basis of qualitative analysis of cross-regional financial risks of urban commercial banks, this paper takes C Bank, a cross-regional commercial bank, as a case study. This paper analyzes the current situation of managing different types of cross-regional financial risks, emphasizes on revealing the weaknesses of cross-regional financial risk management, and puts forward corresponding suggestions for improving the management of cross-regional financial risks. The main contributions of this paper are as follows: 1) compared with a small amount of related literatures, this paper attempts to discuss the financial risks faced by urban commercial banks in the cross-regional development more systematically than a specific type of financial risk in the cross-regional management of urban commercial banks. Combined with the particularity of the process of cross-regional development, this paper, based on the viewpoint of process and from the point of view of incremental risk, identifies the types of cross-regional financial risk of city commercial bank, and analyzes the source and characteristics of cross-regional financial risk of city commercial bank. On this basis, this paper tries to put forward an overall idea of cross-regional financial risk management for city commercial banks, hoping to provide some new research perspective. This paper makes a detailed analysis of the different types of financial risks and the current situation of management and control faced by Bank C in the cross-regional development, points out the problems existing in the cross-regional financial risk management and puts forward some targeted suggestions. Hope to provide useful reference for other city banks cross-regional financial risk management practice.
【學(xué)位授予單位】：廈門大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F830.42

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