本文關(guān)鍵詞：我國城市商業(yè)銀行風(fēng)險問題的跨區(qū)域研究　出處：《吉林大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

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【摘要】：近年來我國銀行業(yè)通過多年不斷摸索和努力創(chuàng)新，已然有了長足的發(fā)展，特別是城市商業(yè)銀行更是發(fā)展迅速。由城市信用社發(fā)展而來的城市商業(yè)銀行，經(jīng)過重組和改建如今已經(jīng)具有一定規(guī)模，對整個金融業(yè)乃至對整體經(jīng)濟(jì)發(fā)展有著舉足輕重的作用。隨著近幾年的經(jīng)濟(jì)發(fā)展和經(jīng)營規(guī)模的擴(kuò)大，城市商業(yè)銀行不僅局限于各自的發(fā)展區(qū)域，跨區(qū)經(jīng)營已經(jīng)開展。雖然我國城市商業(yè)銀行發(fā)展迅速，已經(jīng)成為金融體制改革中的重要力量，但是在發(fā)展的背后仍有較高的銀行風(fēng)險。本文從區(qū)域經(jīng)濟(jì)的角度入手，在區(qū)域經(jīng)濟(jì)的框架下著重分析不同區(qū)域內(nèi)城市商業(yè)銀行風(fēng)險的主要類別以及風(fēng)險成因。通過對大量的數(shù)據(jù)總結(jié)分析，將全國各省份劃分為：經(jīng)濟(jì)發(fā)展發(fā)達(dá)地區(qū)、經(jīng)濟(jì)發(fā)展中等發(fā)達(dá)地區(qū)和經(jīng)濟(jì)發(fā)展欠發(fā)達(dá)地區(qū)等三個區(qū)域。三個區(qū)域不能對每一個省份一一進(jìn)行分析，通過對有代表性的地區(qū)進(jìn)行總結(jié)歸納，，得出三個區(qū)域內(nèi)城市商業(yè)銀行的主要銀行風(fēng)險各不相同，這使得統(tǒng)一的風(fēng)險防范機(jī)制不適用于不同區(qū)域的銀行風(fēng)險，因此就需要根據(jù)不同區(qū)域的情況分別調(diào)整風(fēng)險管理機(jī)制，進(jìn)行有針對性的控制和防范。本文前三章分別介紹文章的研究意義，銀行風(fēng)險的相關(guān)理論，城市商業(yè)銀行在區(qū)域經(jīng)濟(jì)中發(fā)揮的作用。第四章通過對全國不同區(qū)域的劃分分別研究不同區(qū)域內(nèi)各個主要風(fēng)險類型。本文創(chuàng)造性的使城市商業(yè)銀行風(fēng)險與區(qū)域經(jīng)濟(jì)發(fā)展相結(jié)合，特別對銀行風(fēng)險防范體制進(jìn)行區(qū)域性研究，可以提高風(fēng)險防控效率。
[Abstract]:In recent years, the banking industry of our country has made great progress through many years of exploration and innovation, especially the city commercial banks, which are developed by the city credit cooperatives. After reorganization and reconstruction, it has a certain scale, which plays an important role in the whole financial industry and even the overall economic development, along with the economic development and the expansion of the scale of operation in recent years. Urban commercial banks are not only limited to their respective development regions, but also cross-regional management has been carried out. Although China's urban commercial banks have developed rapidly, they have become an important force in the reform of the financial system. However, there are still high bank risks behind the development. This paper starts from the angle of regional economy. In the framework of regional economy, the main types and causes of risk of urban commercial banks in different regions are analyzed. Through the summary and analysis of a large number of data, the provinces of China are divided into economically developed areas. Three regions, such as middle developed regions and underdeveloped regions, can not analyze each province one by one, and summarize the representative regions. It is concluded that the main banking risks of urban commercial banks in the three regions are different, which makes the unified risk prevention mechanism not suitable for different regions of the bank risk. Therefore, it is necessary to adjust the risk management mechanism according to the situation of different regions, and carry out targeted control and prevention. The first three chapters of this paper respectively introduce the research significance of the article, the relevant theory of bank risk. The role of urban commercial banks in regional economy. Chapter 4th studies the main risk types in different regions through the division of different regions of the country. This paper creatively makes the risk of urban commercial banks and regional economy. Combination of economic development. Especially the regional research on the risk prevention system of banks can improve the efficiency of risk prevention and control.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.33

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