對我國區(qū)域性商業(yè)銀行擴張效應的分析-wenkub
2023-07-08 04:06:06 本頁面
【正文】 區(qū)域擴張的建議…………………………12（一）明確市場定位,實施差異化經(jīng)營路線…………………………………12（二）科學選擇區(qū)域化的目標與戰(zhàn)略………………………………………12（三）完善公司治理,提升風險管理水平……………………………………12（四）加大力度培養(yǎng)高素質(zhì)人才 ……………………………………………13六、結(jié)語………………………………………………………………………13參考文獻……………………………………………………………………14對我國城市商業(yè)銀行區(qū)域擴張的研究一、引言（一）研究背景2006年4月,上海銀行寧波分行開業(yè),標志著我國城市商業(yè)銀行跨區(qū)域經(jīng)營正式幵始。關(guān)鍵詞：城市商業(yè)銀行；業(yè)務領(lǐng)域；地緣人脈；跨區(qū)域發(fā)展 AbstractIn recent years, China has diversified multilevel financial landscape subtle changes have taken place, by the transformation of rural credit cooperatives and city mercial bank began crossregional development, and expand the development of the boom.On the one hand, By the development of rural credit cooperatives and city mercial Banks, the only from the past in a particular city regional restriction, business through restructuring, a new and mergers and acquisitions, began to cross area business development road. Either in this province cities have a branch set up branches, also can to expand their business outside the province. Through effective layout in different regions, regional mercial Banks will be able to open up new business areas, develop new profit growth point, enlarge the channels of business ine, improve their brand and reputation.on the other hand, business process, the city mercial Banks will inevitably and big stateowned mercial Banks, national jointstock mercial Banks and foreign capital financial institutions launched intense battle. The large stateowned mercial bank has formed the network wide good relations with large enterprises, especially stateowned enterprise petitive large stateowned mercial Banks, the national jointstock mercial Banks and foreign Banks petition, obviously increased the certain difficulty.In this paper, the city mercial bank39。目前大型國有商業(yè)銀行已經(jīng)形成了網(wǎng)絡的廣泛與大型企業(yè)尤其是國有企業(yè)關(guān)系良好的競爭優(yōu)勢。一方面，由農(nóng)村信用社發(fā)展而來的城市商業(yè)銀行，在擺脫了以往只能在某個城市經(jīng)營業(yè)務的地域限制之后，通過重組、新設和并購，開始走向跨區(qū)域經(jīng)營的發(fā)展道路。既可以在本省未設分行的城市設立分支機構(gòu)，也可以到省外拓展業(yè)務。與之相比，城市商業(yè)銀行一旦離開鄉(xiāng)土原有的地緣人脈等優(yōu)勢，可能不同程度不復存在。s development problems made a profound research and further analyzes its development present situation, problems, effect and countermeasure, to more detailed understanding of the city mercial Banks across the phenomenon of regional development, and provide countermeasures to the problems.Key word：the city mercial Banks。自那以后,城商行跨區(qū)域經(jīng)營的腳步開始加快。（二）研究目的和意義隨著越來越多的城市商業(yè)銀行實現(xiàn)跨區(qū)域發(fā)展，更多的學者注意到這一現(xiàn)象并著手開始研究，但對于其發(fā)展，究竟是利大于弊還是弊大于利？大多數(shù)人卻只是有個模糊的概念，并未有系統(tǒng)的總結(jié)。2006年2月，銀監(jiān)會發(fā)布的《城市商業(yè)銀行異地分支機構(gòu)管理辦法》明確了設立異地分支機構(gòu)的條件和程序。經(jīng)過七年的跨區(qū)域發(fā)展，城市商業(yè)銀行擴張發(fā)展已逐漸形成一種熱潮，更多的城市商業(yè)銀行在優(yōu)質(zhì)城市商業(yè)銀行跨區(qū)域示范作用下，希望通過跨區(qū)域擴張來搶占市場、做大規(guī)模。據(jù)統(tǒng)計,%,%%,遠遠高于城市商業(yè)銀行。資產(chǎn)規(guī)模在100億元到200億元之間的城市商業(yè)銀行有19家。其中,資產(chǎn)規(guī)模最大的達到7500億元,最小的不足30億元,兩者相差近250倍。圖2 我國城市商業(yè)銀行設立的異地分支機構(gòu)數(shù)量數(shù)據(jù)來源：各城市商業(yè)銀行網(wǎng)站數(shù)據(jù)整理而來城市商業(yè)銀行的擴張發(fā)展呈現(xiàn)出明顯的地域特征，無論是數(shù)量、資產(chǎn)規(guī)
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