發(fā)布時間：2018-01-18 10:15

  本文關(guān)鍵詞：中國社區(qū)銀行發(fā)展模式研究　出處：《華東師范大學(xué)》2016年博士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 社區(qū)銀行 發(fā)展模式 經(jīng)營特征 績效影響

【摘要】：本文旨在研究具備不同社區(qū)銀行特征的商業(yè)銀行在中國經(jīng)濟發(fā)展中的作用以及商業(yè)銀行社區(qū)金融發(fā)展的模式選擇。隨著利率市場化的不斷推進、多層次資本市場的不斷完善和互聯(lián)網(wǎng)金融的快速發(fā)展,中國銀行業(yè)金融機構(gòu)面臨的經(jīng)營挑戰(zhàn)日趨嚴(yán)峻。在同業(yè)間競爭日趨激烈的同時,商業(yè)銀行盈利增速也在普遍下滑。發(fā)展社區(qū)銀行作為商業(yè)銀行應(yīng)對以上挑戰(zhàn)、尋找新的業(yè)務(wù)增長點的重要舉措,正得到金融業(yè)的廣泛關(guān)注。論文從社區(qū)銀行的概念和界定標(biāo)準(zhǔn)出發(fā),對社區(qū)銀行的核心功能和經(jīng)營特征進行總結(jié),分析了中國各類銀行機構(gòu)的發(fā)展現(xiàn)狀,通過運用包括Pearson相關(guān)性檢驗和Granger因果檢驗在內(nèi)的實證分析,從促進經(jīng)濟增長、提高就業(yè)、提升信貸資源可獲得性等角度分別驗證不同社區(qū)銀行經(jīng)營特征下中國商業(yè)銀行在宏觀領(lǐng)域中的差異化作用。社區(qū)銀行的模式選擇必然要受到外部環(huán)境的影響,監(jiān)管制度、金融脫媒、互聯(lián)網(wǎng)金融是現(xiàn)階段三個最重要的影響因素,將影響商業(yè)銀行的功能定位并導(dǎo)致業(yè)務(wù)轉(zhuǎn)型。美國、德國、日本等多個國家社區(qū)銀行的發(fā)展實踐對我國社區(qū)銀行模式選擇有很好的借鑒意義,通過不同國家的比較分析,社區(qū)銀行在不同經(jīng)濟環(huán)境、地理稟賦、人口結(jié)構(gòu)等要素下呈現(xiàn)不同的發(fā)展特點。我國經(jīng)濟總量巨大,幅員遼闊,除區(qū)域經(jīng)濟發(fā)展不平衡外,我國還要面對居民收入分配不合理、人口結(jié)構(gòu)老齡化等諸多社會問題。論文基于社區(qū)銀行的核心功能及其在不同國家的發(fā)展特點,提出中國可以同時存在兩種不同的社區(qū)銀行發(fā)展模式：一種以“本地化+關(guān)系化”為主要特征,主要適用于中小型銀行；一種以“規(guī)�；�+交易化”為主要特征,主要適用于大型銀行。本文同時從服務(wù)網(wǎng)絡(luò)構(gòu)建、目標(biāo)客戶定位、負債和資產(chǎn)業(yè)務(wù)主要構(gòu)成等幾方面對上述兩種社區(qū)銀行發(fā)展模式進行了比較分析,證明兩種模式各有所長,可以優(yōu)勢互補。論文運用了動態(tài)面板模型(Dynamic Panel Model)和對比研究的方式,從銀行規(guī)模、信貸業(yè)務(wù)和凈息差三要素入手,對兩種社區(qū)銀行發(fā)展模式績效的影響因素展開理論和實證分析。本文研究后判斷：中小型社區(qū)銀行應(yīng)努力改善信貸業(yè)務(wù)結(jié)構(gòu)而非提升信貸資產(chǎn)占比；而大型社區(qū)銀行應(yīng)著重發(fā)展高附加值產(chǎn)品和服務(wù),提高產(chǎn)品滲透率和客戶粘性,提升客戶的價值貢獻度。本文認為,通過借鑒國際成熟社區(qū)銀行的發(fā)展歷史和經(jīng)營經(jīng)驗,結(jié)合中國銀行業(yè)金融機構(gòu)的歷史和現(xiàn)狀,在當(dāng)前經(jīng)濟邁入“新常態(tài)”和金融改革加速的大背景下,我國商業(yè)銀行社區(qū)化轉(zhuǎn)型勢在必然,在社區(qū)化轉(zhuǎn)型模式選擇上明確定位,也需要政府部門在監(jiān)管環(huán)境等政策條件上進一步調(diào)整。相比于中小型社區(qū)銀行,規(guī)模龐大、安全可靠、渠道便利、綜合服務(wù)能力較強的中國大型社區(qū)銀行將更加凸顯其在負債結(jié)構(gòu)管理和定價中的優(yōu)勢。在金融脫媒與互聯(lián)網(wǎng)金融雙重影響下,公司客戶對于銀行服務(wù)的依賴度會有所降低,零售信貸業(yè)務(wù)的重要性日漸上升,提高中間業(yè)務(wù)收入將成為大型商業(yè)銀行提高盈利水平的重要措施。
[Abstract]:This paper aims to study the mode with different selection characteristics of Community Bank of commercial bank in Chinese economic development and commercial bank financial community development. With the interest rate market continues to advance, and constantly improve the multi-level capital market and the rapid development of Internet banking, banking financial institutions face China business increasingly challenging. In the increasingly fierce industry at the same time, the commercial bank profit growth also generally decline. The development of community banks as more commercial banks to cope with the challenges, an important measure to find new business growth point, has been widespread concern in the financial industry. The article begins with the concept of community banks and the definition of the core functions and operating characteristics of community banks the summary, analysis of the current development of all banking institutions through the use of China, including Pearson correlation test and Granger causality test An empirical analysis of experience, from promoting economic growth, increase employment, improve credit resource availability aspects verify effect of commercial banks China difference characteristics of different community banks in the macro field. Mode selection of community banks will inevitably be affected by the external environment, regulatory system, financial disintermediation, Internet banking is at this stage, three most important factors, will affect the functional positioning of the commercial banks and lead to business transformation. The United States, Germany, Japan and other countries the practice of the development of community banks is a good reference to our country community bank mode selection, through a comparative analysis of different countries, community banks in different economic environment. The geographical endowment, presents the development characteristics of different population structure and other factors. China's economic output is huge, with a vast territory, in addition to the unbalanced development of regional economy, our country will face The income distribution is not reasonable, many social problems such as population aging. The core function of community bank based on the characteristics and its development in different countries, the Chinese can exist at the same time in two different community bank development patterns: one in "localization + relationship" as the main feature, mainly for small and medium banks; a "scale + transaction" as the main feature, mainly applicable to large banks. At the same time, from the service network construction, target customer positioning, several liabilities and assets of the business is mainly composed of a comparative analysis is made of the two community bank development model, that two models can complement each other. Each one has his good points. This paper using dynamic panel model (Dynamic Panel Model) and the comparative study way, from the size of the bank, credit business and net interest margin of three key elements of two community banks The theoretical and Empirical Analysis on expansion factors development pattern performance. This study judgment: small community banks should improve credit structure and enhance non credit assets; and large community banks should focus on the development of high value-added products and services, improve product penetration rate and customer loyalty, improve customer value contribution. This paper argues that, by drawing on the development history and operating experience of mature international community banks, combined with the history and status quo of China banking financial institutions, in the background of the current economy into the new normal and accelerated "financial reform, the Commercial Bank of our country community transformation is inevitable, in the community transformation mode selection clear positioning also, government departments need further adjustment in terms of regulatory environment policy. Compared to the small community banks, large scale, safe and reliable, convenient channel, comprehensive service The service ability of the Chinese large community banks will become more prominent in the debt structure management and pricing advantage. In the double impact of financial disintermediation and Internet banking, corporate customers for banking services will depend on the reduced importance of retail credit business is on the rise, increase the intermediate business income will become an important measure for large commercial banks to improve the level of profitability.

【學(xué)位授予單位】：華東師范大學(xué)
【學(xué)位級別】：博士
【學(xué)位授予年份】：2016
【分類號】：F832.3
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本文編號：1440487