對(duì)我國(guó)區(qū)域性商業(yè)銀行擴(kuò)張效應(yīng)的分析-展示頁(yè)
2025-07-02 04:06本頁(yè)面
【正文】 科 生 畢 業(yè) 論 文題目 對(duì)我國(guó)城市商業(yè)銀行區(qū)域擴(kuò)張的研究The study of regional expansion of urban mercial Banks in China in China作 者 郝爽 學(xué) 號(hào) 100664020 專 業(yè) 金融學(xué) 班 級(jí) 100404 指導(dǎo)教師 雷海波 完成日期 2014年4月 對(duì)我國(guó)城市商業(yè)銀行區(qū)域擴(kuò)張的研究中文摘要近年來(lái),我國(guó)多元化多層次的金融格局發(fā)生了微妙的變化，由農(nóng)村信用社轉(zhuǎn)換而來(lái)的城市商業(yè)銀行開(kāi)始了跨區(qū)域發(fā)展，并且出現(xiàn)擴(kuò)張發(fā)展的熱潮。一方面，由農(nóng)村信用社發(fā)展而來(lái)的城市商業(yè)銀行，在擺脫了以往只能在某個(gè)城市經(jīng)營(yíng)業(yè)務(wù)的地域限制之后，通過(guò)重組、新設(shè)和并購(gòu)，開(kāi)始走向跨區(qū)域經(jīng)營(yíng)的發(fā)展道路。通過(guò)在不同地區(qū)有效布局，區(qū)域性商業(yè)銀行能夠開(kāi)辟新的業(yè)務(wù)領(lǐng)域，拓展新的利潤(rùn)增長(zhǎng)點(diǎn)，擴(kuò)大業(yè)務(wù)收入的渠道，提升自己的品牌和知名度。目前大型國(guó)有商業(yè)銀行已經(jīng)形成了網(wǎng)絡(luò)的廣泛與大型企業(yè)尤其是國(guó)有企業(yè)關(guān)系良好的競(jìng)爭(zhēng)優(yōu)勢(shì)。與大型國(guó)有商業(yè)銀行、全國(guó)股份制商業(yè)銀行與外資銀行全面競(jìng)爭(zhēng)，顯然增加了某些困難。關(guān)鍵詞：城市商業(yè)銀行；業(yè)務(wù)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。 Business areas。 Crossregional development 目 錄一、引言………………………………………………………………………1（一）研究背景………………………………………………………………1（二）研究目的和意義………………………………………………………1二、 我國(guó)城市商業(yè)銀行區(qū)域擴(kuò)張概況與特點(diǎn)………………………1（一）我國(guó)城市商業(yè)銀行區(qū)域擴(kuò)張概況……………………………………1（二）我國(guó)城市商業(yè)銀行區(qū)域擴(kuò)張?zhí)攸c(diǎn)……………………………………2三、我國(guó)城市商業(yè)銀行區(qū)域擴(kuò)張的動(dòng)因………………………………5（一）為了適應(yīng)監(jiān)管部門的政策……………………………………………5（二）為了城市商業(yè)銀行的產(chǎn)品創(chuàng)新和業(yè)務(wù)發(fā)展…………………………6（三）為了創(chuàng)造公平競(jìng)爭(zhēng)的金融環(huán)境………………………………………7四、我國(guó)城市商業(yè)銀行區(qū)域擴(kuò)張的分析……………………………7（一）我國(guó)城市商業(yè)銀行區(qū)域擴(kuò)張的積極效應(yīng)……………………………8（二）我國(guó)城市商業(yè)銀行區(qū)域擴(kuò)張的消極效應(yīng)……………………………9五、對(duì)我國(guó)城市商業(yè)銀行區(qū)域擴(kuò)張的建議…………………………12（一）明確市場(chǎng)定位,實(shí)施差異化經(jīng)營(yíng)路線…………………………………12（二）科學(xué)選擇區(qū)域化的目標(biāo)與戰(zhàn)略………………………………………12（三）完善公司治理,提升風(fēng)險(xiǎn)管理水平………………………
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