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| 论文编号： | 4841 | |
| 作者编号： | 2120102643 | |
| 上传时间： | 2012/12/12 13:27:55 | |
| 中文题目： | 我国城市商业银行跨区域发展的研究 | |
| 英文题目： | Cross-regional development of Chinese city commercial banks | |
| 指导老师： | 余娟 | |
| 中文关键字： | 城市商业银行,跨区域,模式,差异化 | |
| 英文关键字： | City commercial banks ,Cross-regional ,Mode ,Differentiatio | |
| 中文摘要： | 近几年来，城市商业银行的改革风起云涌，尤其是在跨区域发展方面取得了显著的进步。本文借鉴国内外的相关理论分析了我国城市商业银行跨区域发展所面临的问题，其瓶颈主要为股东权责、区域制约、风险防范、扩股增资等，现行的几种跨区域经营模式，如设立异地分支机构、省内联合重组和收购他行网点等，可为城商行如何扩展与深化跨区域发展提供新的研究思路。同时城市商业银跨区域发展对进一步完善地方金融服务体系，提高金融服务水平，促进地方经济发展发挥了较好的作用。但是，随着城市商业银跨区域进程的加快，其自身经营管理存在的弊端逐步显现，需要监管政策加以正确引导。本文对城市商业银行跨区域发展进行了利弊分析，并从监管视角提出了政策建议。 | |
| 英文摘要： | In recent years, city commercial banks reform be raging like a storm, especially in regional development has made remarkable progress. Draw lessons from foreign related theory analysis of China's city commercial banks to develop the problem that faces, its main bottlenecks for shareholder accrual, regional restriction, risk prevention, investment capital increase, several current cross area to manage mode, such as the establishment of new branches, the joint reorganization and buys him outlets, can provide the city firm how to extension and deepening of regional development provide a new research thought. At the same time, City Commercial Bank Regional Development on further perfecting local financial service system, improve the level of financial services, to promote local economic development has played a good role. However, as the city commercial bank across the region to speed up the process, its operation management gradually, need regulation policy guide correctly. The city commercial bank regional development this paper analyzes advantages and disadvantages, and puts forward some policy suggestions from the supervision angle. | |
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