对我国城市商业银行跨区域经营的思考

发布时间：2018-04-23 05:18

本文选题：城市商业银行 + 跨区域发展　；参考：《山西财经大学》2013年硕士论文

【摘要】：“城市商业银行”是我国金融改革发展所形成的特有产物，是一种为地方经济发展服务的特殊金融机构。成立之初，其目的并不是规模的扩张，主要目的是防范化解城市信用社在为地方经济服务过程中积累的金融风险，此时其经营活动只能在一个城市开展。但是近几年来，随着金融行业的迅速发展，同业之间的竞争愈来愈烈，国家控股银行通过一系列改革措施，更突出了其在网点、资本与人才规模、品牌效应等方面的优势，经营活力不断加强；股份制商业银行在积极进行金融创新、转换发展战略，从而自身竞争实力不断上提升。随着地区经济一体化和金融一体化的发展，客户逐渐跨区域业务，资金的跨地区流动日益频繁，从而客户对银行业务种类的需求增多，而城商行又主要是为中小客户服务的，对城商行的业务需求也随之增多。尤其是需要商业银行能够跨区域为其提供金融服务。此时城商行单一制城市制经营模式已经不能满足客户的需要了，阻碍了城市商业银行业务发展。城商行扩大经营区域，增大发展空间已迫在眉睫。本文首先从我国城市商业银行跨区域经营的理论透析入手，介绍了城商行的定义与来源，概括性的提出城商行跨区域经营的含义。接着又进一步分析了城商行跨区域经营的理论基础，最后从两个方面分析了跨区域经营的必要性。随后对跨区域经营的现状进行了分析，其中首先介绍了城商行跨区域经营的发展历程，通过案例，，对跨区域经营的具体模式，跨区域后的效果进行了总结。然后通过对上述问题的分析，提出我国城商行跨区域经营中存在的问题，最后，本文从城商行自身与监管部门两个角度给出了较有操作性的建议,从而进一步促进我国城商行跨区域发展。
[Abstract]:City Commercial Bank is a special financial institution which serves the development of local economy. At the beginning of its establishment, its purpose was not to expand its scale, but to prevent and defuse the financial risks accumulated by urban credit cooperatives in serving the local economy. At this time, its business activities can only be carried out in one city. However, in recent years, with the rapid development of the financial industry, competition between the same industry has become more and more intense. Through a series of reform measures, state-controlled banks have highlighted their advantages in the areas of network, capital and talent scale, brand effect, etc. The joint-stock commercial banks are actively carrying out financial innovation and changing their development strategies so as to enhance their competitive strength. With the development of regional economic integration and financial integration, customers gradually cross regional business, and the cross-regional flow of funds becomes more and more frequent. As a result, the customers' demand for the types of banking business increases, and the city commercial banks mainly serve small and medium-sized customers. The business demand of the city commercial bank also increases with it. In particular, commercial banks need to be able to cross-regional financial services for them. At this time, the city commercial bank single system city system management mode can not meet the needs of the customer, which hinders the development of the city commercial bank business. The city commercial bank expands the management area, increases the development space already to be imminent. This paper begins with the theoretical analysis of cross-regional management of city commercial banks in China, introduces the definition and source of city commercial banks, and puts forward the meaning of cross-regional management of city commercial banks. Then it further analyzes the theoretical basis of cross-regional management of city commercial banks, and finally analyzes the necessity of cross-regional management from two aspects. Then it analyzes the current situation of cross-regional management, including the first introduction of the development of cross-regional management of the city commercial banks, through a case, the specific mode of cross-regional management, cross-regional results are summarized. Then, through the analysis of the above problems, the paper puts forward the problems existing in the cross-regional management of the city commercial banks in China. Finally, this paper gives some operable suggestions from the two angles of the city commercial banks themselves and the supervision department. Thus further promote the cross-regional development of our city business.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

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