【作者】 李科；

【导师】 李延喜；

【作者基本信息】 大连理工大学 ， EMBA（专业学位）， 2016， 硕士

【摘要】 我国的城市商业银行大部分是从城市信用社逐步转制而来,其经过二十多年的发展,不但是我国银行业的重要组成部分,也是我国地方经济发展中的重要金融支持之一。从城市信用社向城市商业银行的转制决策,主要是为了化解与规避城市信用社在发展过程出现的各种风险,同时解决城市商业银行在当地业务占比过大,缺乏新的发展空间的问题。但转制的过程并没有将原有问题全部解决,仍然遗留下诸多问题,导致现在的城市商业银行发展良莠不齐。监管部门对城市商业银行的基本定位与经营方针的界定是：城市商业银行要为地方经济及地方居民提供金融服务,这一定义在一定程度上限制了城市商业银行的发展地域。随着城市商业银行的不断发展壮大,其在资产规模、资金实力、竞争力上都具备了一定的实力,而单一城市经营的弊端成为了其发展过程中的重要系统性风险。因此,银监会出台了一系列关于城市商业银行跨区域发展的实施办法、管理办法与调整意见等,至此城市商业银行的跨区域发展大潮滚滚而来。FX城市商业银行就是在城市信用社基础上转制而来的典型城市商业银行,在把握发展机遇的同时,迅速占据当地银行规模的首位,并跟随城市商业银行跨区域发展大潮,开展跨区域业务经营。在发展的过程中,FX城市商业银行取得了一定成绩,同时也在风险管理,内部控制,企业文化融合方面产生了一系列问题。因此,本文从实践出发,对FX城市商业银行的跨区区域发展问题进行研究分析,为FX城市商业银行的可持续发展提供建议。本文针对FX城市商业银行的跨区域发展问题,主要运用规范分析法、对比分析法与SWOT分析等方法。在总结归纳其经营发展问题的基础上,分析FX城市商业银行发展跨区域经营业务的外部与内部环境,根据SWOT的优势、劣势、机遇与挑战分析,提出FX城市商业银行跨区域发展的战略定位、目标,以及战略实施手段及保障。同时,对我国城市商业银行的跨区域发展经验进行总结,为我国城市商业银行的跨区域发展提供参考与解决措施。更多还原

【Abstract】 The city commercial banks in our country are mostly transformed from the urban credit cooperatives. After more than 20 years of development, they’re not only an important part of China’s banking industry but also an important financial supporting force for regional economic development in China. The restructuring from urban credit cooperatives to city commercial bank was intend to address various risks during the development of urban credit cooperatives. But it didn’t resolve all the problems, while remains serious problems which leads the unbalanced quality of city banks now. The orientation and the basic operating principle defined by supervision departments of City Commercial Bank is to provide financial services for the local economy and the residents, which limits the direction of cross regional development at the beginning. But along with the continuous development and expansion of the city commercial banks, they get certain share in asset size, financial strength, and competitive power. But single urban management drawbacks become an important systemic risk during its development. Therefore, the CBRC issued a series of measures for the implementation of cross regional development of city commercial banks, management measures and adjustment suggestions. Thus, the cross regional development tide of city commercial banks rolls in.FX city commercial bank is a typical city commercial bank which was restructured from urban credit cooperatives. It becomes the largest one in local banks in a short time with the opportunities for development. At the same time, it carry out cross regional business following the cross regional development tide of city commercial banks. In the process of development, FX city commercial bank has obtained certain result, but also has certain risk management problems. Therefore, this article embarks from the practice of FX city commercial bank through analyzing the cross regional development problems, and provides suggestions for the sustainable development of FX city commercial bank.This paper, mainly using the norm analysis, comparative analysis and the SWOT analysis method, etc. to research on the cross regional development of FX city commercial Banks. On the basis of summary of its management and development, it analyses the external and internal environment of FX city commercial bank cross regional business development. According to the SWOT analysis of the strengths, weaknesses, opportunities and challenges, it puts forward the strategic positioning,target, strategy implementation and strategic guarantee suggestion on FX city commercial Banks cross the regional development. Meanwhile, it summarizes the cross-regional development experience of city commercial Banks in China, and provides the reference and the solution measures for its development in China.更多还原