【作者】 郭继辉；

【导师】 刘文朝；

【作者基本信息】 西南农业大学 ， 金融学， 2005， 硕士

【摘要】 本文是关于并购浪潮下我国中小银行持续发展面临的问题及对策研究。其研究视角为并购浪潮下西方商业银行“求大,求全,求广,求新,求快”的发展趋势,以及国内四大国有控股商业银行(简称四大银行,后面的论述中为论述上的方便有时也称四大国有银行、国有商业银行)改革逐步深化,全能化、大型化发展思路使它们的竞争能力不断提高。随着我国经济调整的不断优化升级,中小银行发挥着越来越重要的作用,然而中小银行在逐步发展壮大中却面临各种困难和问题,提高竞争力和持续发展成为中小银行发展的两大主题。对中小银行来说。正确面对银行规模问题,在与有业务重叠的四大银行展开竞争的同时,如何认真学习内、外资银行的先进管理经验,找出自身不足并加以改进,充分发挥自身优势作大作强,进而提高自身竞争力,以迎接这种内外夹击的挑战从而实现持续健康发展就成了当务之急的新课题。 本文在研究过程中,以实证研究为主,辅之以一定的规范分析,充分运用了比较分析方法、计量学的回归方法以及DEA方法,并结合案例分析,研究的主要内容有: 1.并购浪潮下揭开中小银行危机表象,中小银行在我国有着巨大的发展空间。理论研究表明银行只有处于“适度规模”的经营状态,管理费用才会降低,赢利才会增大。银行的适度规模取决于本国技术装备的情况、国际金融全球化的趋势、经济发展水平等。根据我国的资源禀赋、技术和市场现状,应充分发挥中小银行在完善银行体系、提高银行服务水平、满足经济体制改革等方面的作用,这对中国银行业乃至整个金融业的发展,具有重要的现实意义和深远的影响。 2.我国中小银行逐步发展壮大,其金融实力一直在增强,资产总额、存款余额、贷款余额持续增长。中小银行在短时期内获得了国有控股商业银行在政策保驾护航之下未能取得的成绩,它们在支持中小民营企业发展、业务创新、服务质量等方面取得优异的成就,中小银行已经成为我国银行业的重要组成部分。 3.我国中小银行发展中存在诸多问题。(1)市场定位不恰当,表现在:中小银行的市场定位具有强烈的行政色彩;市场定位与国内四大银行明显趋同化;中小银行之间市场定位的极端相似性。不恰当的市场定位导致了金融业的无序竞争、中小银行内耗严重、金融资源配置效率低下,使中小银行普遍经营困难,不良资产大幅攀升,对其发展极为不利。(2)资本规模不适应发展的需要。在资产规模迅速扩张的同时,中小银行面临资本金缺乏的问题,必须探索新的资本补充机制。(3)资产质量有待提高。中小银行资产质量良莠不齐,不良贷款压力沉重,不良贷款悬空性特征明显,消化处置困难,不少城市商业银行未能按照五级分类的要求提足拨备。(4)赢利能力呈下降趋势。中小银行的盈利额增长不显著,收益率呈下降趋势。(5)发展速度放慢。虽然中小银行的存款、贷款和资产份额在不断增加,但增长速度更多还原

【Abstract】 The dissertation is concerning the problems and countermeasures of the constant growth of the MSBs (Medium-Small Banks) in M&A (Merger and Acquisition). The study angle of view is the development trend of the western commercial banks and the upgrade of competitiveness for the state-owned banks.Along with China’ economic adjustment and upgrade, the MSBs are more and more important. However, the MSBs are confronting with various difficulties and problems. These are two topics for MSBs to raise the competitiveness and to keep on developing. Therefore, the MSBs must learn advanced managerial experiences from the foreign capital banks and the local larger banks, find their own shortages, and make full use of their advantages to make themselves stronger and greater in order to raise their competitiveness. Thus, the MSBs will have the abilities to face challenges from home and abroad and carry out a healthy development continuously.The paper studies with positive and normative methods, with the comparative methods, with the econometric regression, with DEA and Case Analysis .The conclusions are as follows:1.There is enormous potential developing space for the MSBs in China The theories research reveals that the banks, only in the management state of " appropriate scale ", will reduce administrative expenses, and will just increase the profits. The theories research reveals that the appropriate scale of banks depends on the situation of the technique material, the level of economy development, etc. According to natural endowment of the resource of our country, technology and market current situation, the function in perfecting the system of the bank, improving the service level of the bank, meeting the economic system reform etc. the MSBs should give full play to. This has important realistic meaning and far-reaching influence to development of the Chinese banking and even whole financial circles.2. The MSBs in China are setting up gradually. They have obtaining the great achievements in supporting the small business to grow, the business to innovate etc. The MSBs have become an important part of our country banking institutions.3. The MSBs in China are faced many problems during their development. (1) The market position is not proper. The market status of the MSBs in China has very strong administrative color. Their position of market was assimilated the state-owned banks obviously, therefore market status of the MSBs in China is very alike. (2) The capital scale dose not match the demand and the new mechanism of the capital complement should be investigated. (3) The asset quality needs to rise. The bad loans in the MSBs are serious and it is difficult to handle these bad loans. (4) The ability of obtaining profits descends. The earnings sum grows slowly and the rate of return has a trend of更多还原