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论文编号：	2176
作者编号：	2220070956
上传时间：	2010/1/19 11:08:51
中文题目：	我国城市商业银行跨区域发展的动因与策略
英文题目：	我国城市商业银行跨区域发展的动因与策略
指导老师：	王迎军
中文关键字：	城市商业银行 跨区域发展 核心竞争力
英文关键字：	city commercial bank trans-regional development core competence
中文摘要：	城市商业银行作为金融体系中的重要组成部分，随着改革开放和经济的快速发展，地位越来越重要。但业务服务范围的地方性制约了其更好更快的发展。近几年来，随着城市商业银行资产质量的整体好转和规模实力的不断壮大，打破地域限制、实现跨区域发展，成为城市商业银行的梦想。那么，监管部门准入条件的放宽，使城市商业银行跨区域发展的梦想变为现实。 尽管城市商业银行突破了城市限制，实现了跨区域发展，但在资本规模实力、企业管理技术、风险控制能力等诸方面均难以与全国性商业银行相比拟，特别是城市商业银行一贯擅长本土作战，熟悉本土文化和资源，一旦实现跨区域扩张来到陌生城市，必然受到文化、制度、地理、经济等诸多方面差异性的影响，给城市商业银行跨区域发展带来新的挑战。 因此本文从城市商业银行发展的背景出发，联系当前实际，对其跨区域发展的动因、模式以及局限与挑战进行了分析研究，列举了其跨区域发展的几种常见模式。同时提出了城市商业银行跨区域发展的核心竞争力研究，阐明城市商业银行跨区域发展的策略，指明跨区域发展要慎重推进，要注重自身核心竞争力的提升，包括风险控制能力、人力资源储备、业务发展定位、规模与效益平衡等，要体现自身优势，形成特色，做到知己知彼，方能达到跨区域发展的目的。
英文摘要：	As the rapid growth of economy, city commercial banks play more and more important roles in financial system. But confining to servicing the local economy is not only their features, but also the short-slab and bottle-neck to their development. In recent years, the constant expansion of city commercial banks and the gradual limitation extending of entry criteria make their dreams of trans-regional development come true. Although city commercial banks have broken the limitation of regions as well as have achieved trans-regional development, they still cannot compare with national commercial banks in whatever capital size, management technology, risk control ability and so on. There must be challenges when they meet diversity in culture, regulation, geography and economy, especially the banks who are good at running in local markets and familiar with native culture and resources. So this dissertation starts with introducing the development background of city commercial banks, and then analyzes the motives of their trans-regional development associated with the reality. Furthermore, it also lists several common modes of trans-regional development. By bringing in the Core Competence Research, it is clearly pointed out that in order to achieving the goals of trans-regional development, city commercial banks must concentrate on promoting their core competence, including risk control ability, human resources reserve, corporate goals setting and the balance of size and benefit.
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