中小型商业银行跨区域发展的区位选择研究

【作者】 张羽；

【导师】 杨中军；

【作者基本信息】 南京师范大学 ， 金融学， 2011， 硕士

【摘要】 中小银行是我国金融机构的重要组成部分,主要包括：跨区域股份制商业银行、股份制城市商业银行、城市信用合作社、农村信用合作社、农村商业银行和村镇银行,以及数量众多的一些非银行金融机构。与四大国有商业银行相比,中小银行的实力虽然差距甚远,但他们却以其特有的生机与活力,活跃于整个经济金融领域。他们在为中小企业服务、促进地区经济有效增长、扩大社会就业、保持宏观经济的稳定和持续增长等方面发挥着极其重要的作用。但是由于先天不足和后天限制,在入世后,中小银行面对外资银行和四大国有银行的竞争明显处于不利地位。积极探索生存发展的战略手段,是他们在激烈的市场竞争中能够赢得生存空间的有效对策。随着中小商业银行经营水平的提高和监管政策的放宽,中小商业银行开始尝试打破经营地域的限制,实行跨区域发展战略。中小商业银行跨区域发展面临的首要问题是根据什么因素进行区位选择,即如何选择跨区域经营的区域和城市。本文首先论述了中小商业银行跨区域发展的动力和跨区域发展面临的挑战,然后研究了中小商业银行跨区域发展的路径和区位选择现状。在吸收专家学者的先进理论和经验的基础上,采用理论分析与实证研究相结合的方法,以模糊数学为基本方法,引入模糊综合评价模式,建立中小银行跨区域发展区位选择影响因素指标体系,选取浙江稠州商业银行作为实证研究对象。在层次分析法确定权重的基础上,应用二级模糊综合评价模型对跨区域发展的几个备选城市进行全面、系统的评价与研究,结果论证了模糊综合评价模式的可行性与可操作性,为完善中小商业银行跨区域发展区位选择影响因素评价体系提供了参考依据,为中小商业银行跨区域发展的活动提供理论和技术上的支持。更多还原

【Abstract】 The small and medium-sized commercial bank is a significant component of Chinese financial system. It can be referred as a group including mainly urban and rural Credit Cooperatives, joint-equity commercial banks, and lots of non-bank financial institutions. As a fact, small and medium-sized bank is far weaker than the four state-owned commercial banks., however, it is still active in the entire economic area because of its specific vigor and vitality. Its importance can be interpreted as following:to serve for small and medium enterprises, to promote effective regional economic growth, increasing employment opportunities, to maintain macroeconomic stability and sustained growth.Nonetheless, small and medium-sized commercial banks are still facing competitions both from inherent shortage and exogenetic restriction after the accession of China to the WTO. The policy about the commercial banks has become more liberal in recent years, which urges the small and medium-sized commercial banks to break the geographical restrictions and to operate in another region. Since the policy has become liberal, it is essential to answer the question, how to choose the proper regions and cities for he small and medium-sized commercial banks.Hence, this paper will attempt to demonstrate that the cross-regional development is necessary for small and medium-sized banks. Firstly, it will elaborate the motive and challenge of cross-regional development. Secondly, the article will also expound the route of development and the current situation of cross-regional development. Further, on the basis of absorbing advanced theory and experience of experts and scholars, the method of combining the theory analysis with case study will also be applied. We use Fuzzy mathematics as the basic method, and introduce a fuzzy comprehensive evaluation model to build small and medium-sized banks trans-regional development location selection factors index system, we select zhejiang Chouzhou commercial Banks as empirical research object. On the basis of Analytic Hierarchy Process was used to calculate weight of all levels’appraisal index, the two stage Fuzzy Comprehensive Appraisal Model was handled to carry through the alternative cities. As a result, the feasibility and maneuverability of Fuzzy Comprehensive Appraisal Model was testified, which offered the reference to perfect Appraisal System from the angle of location choice, and provided the support of theoretical and technical tool to the cross-regional development of the small and medium-sized commercial banks.更多还原