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论文编号：	7136
作者编号：	2220131086
上传时间：	2014/12/19 8:02:01
中文题目：	基于利率市场化背景的北京银行天津分行支持新农村城镇化业务模式研究
英文题目：	Research on Strategy of Bank of Beijing Tianjin to Branch New Rural Urbanization
指导老师：	韩德昌
中文关键字：	新型城镇化，利率市场化，中小商业银行，金融支持
英文关键字：	New Type Urbanization, Marketization of interest rate, Small and medium-sized commercial bank, Financial support
中文摘要：	2014年3月16日《国家新型城镇化规划(2014－2020年)》正式发布，未来新型城镇化的发展路径得到进一步明确。城镇化已经从市场期待的总需求管理政策，转变为客观的经济发展规律，已经上升为国家战略层面。 城镇化是未来我国经济持续健康发展的重要支撑，也是现代化进程的主线。利率市场化的不断推进，对中小商业银行原有的经营模式已经形成了相当的影响，因此中小商业银行势必要加强金融创新，寻求新的增长动力。新型城镇化则为中小商业银行开辟了新的拓展空间。 本文介绍了中国的城镇化发展现状以及未来走向，分析了新型城镇化下中小商业银行面临的机遇与挑战。结合利率市场化对中小商业银行经营的影响，立足中小商业银行的长期发展，以天津市的实际情况为背景和案例，着力探讨中小商业银行支持农村城镇化的业务模式。最后，本文以北京银行如何布局为落脚点，重点提出北京银行天津分行如何抓住城镇化建设的历史机遇，加强对城镇化的金融支持，实现业务转型升级，构建新的业务增长模式。进而，响应国家号召，推动地区城镇化发展，实现资金的有效配置。
英文摘要：	In March 16, 2014，with the ‘National New Type Urbanization Plan’ released，the future development path of new type urbanization becomes further clear. The urbanization is no longer a management policy of total demand the market expects, but the objective law of economic development. Urbanization has risen to the national strategic level. Urbanization is an important support for the future sustainable and healthy development of Chinese economy. It is also the main line of the process of modernization. The Continuous advance of the marketization about the interest rates has formed a considerable influence on the management mode of small and medium sized commercial bank original, so the small and medium-sized commercial banks must strengthen the financial innovation, and seek new Growth momentum .the New urbanization plan Open up new space for small and medium sized commercial banks. This paper introduces the current situation of Chinese urbanization and the future trend, in addition the paper analyzes the opportunities and challenges the small and medium-sized commercial banks faced with under the urbanization. In this paper, combined with the impact of interest rate marketization on small and medium-sized commercial bank management, based on long-term development of small and medium-sized commercial banks, according to the actual situation of Tianjin city as the background and case, we focus on the business model of small and medium commercial banks which supports the urbanization. Finally, this paper takes the layout of the Bank of BEIJING as the foothold, put forward the method how Tianjin branch of Bank of BEIJING seizes the historical opportunity of urbanization construction, strengthens the financial support of the urbanization, achieves business transformation and upgrading, and builds a new business growth model. Then, in response to the national call it can promote regional urbanization development, to achieve effective allocation of funds.
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