【摘要】：跌宕起伏的國(guó)際銀行業(yè)發(fā)展歷程已經(jīng)反復(fù)證明：穩(wěn)健而富有競(jìng)爭(zhēng)力的銀行業(yè)格局對(duì)一個(gè)國(guó)家整體的經(jīng)濟(jì)健康狀況至關(guān)重要。優(yōu)化銀行業(yè)格局,科學(xué)布局銀行業(yè)(尤其是小型銀行)層次結(jié)構(gòu),對(duì)于提高一國(guó)銀行業(yè)整體競(jìng)爭(zhēng)力和穩(wěn)定性、規(guī)避“同質(zhì)化”引發(fā)的系統(tǒng)性風(fēng)險(xiǎn)、滿足多元化金融服務(wù)需求具有舉足輕重的作用。特別是在2008年國(guó)際金融危機(jī)之后,面對(duì)銀行業(yè)中“大而不能倒,小而不必救”的規(guī)律,國(guó)內(nèi)外各界對(duì)于大型銀行的道德風(fēng)險(xiǎn)表示了普遍關(guān)注,甚至在美國(guó)這樣一個(gè)極度崇尚自由的市場(chǎng)經(jīng)濟(jì)體系中也通過各類法案對(duì)大型銀行形成強(qiáng)大的反競(jìng)爭(zhēng)力量,包括通過限制大銀行在一定地域開辦分支機(jī)構(gòu)使得眾多小銀行得以生存。 近年來,我國(guó)小型城市商業(yè)銀行緊緊依托地方經(jīng)濟(jì)發(fā)展以及其自身優(yōu)勢(shì),發(fā)展與進(jìn)步顯著,特別是在服務(wù)中小企業(yè)方面發(fā)揮了重要作用。然而小型城市商業(yè)銀行在與各個(gè)大中型銀行、外資銀行的激烈競(jìng)爭(zhēng)中,仍處于弱勢(shì)地位。作為金融體系的重要組成部分,如何揚(yáng)長(zhǎng)避短,突破瓶頸,讓小型城市商業(yè)銀行更好地發(fā)揮金融服務(wù)作用、為實(shí)體經(jīng)濟(jì)的發(fā)展提供支持顯得尤為迫切。 面對(duì)日益激烈的金融競(jìng)爭(zhēng),小型城市商業(yè)銀行生存與發(fā)展的關(guān)鍵還在于找準(zhǔn)市場(chǎng)定位。只有把握銀行業(yè)發(fā)展的大勢(shì),致力于變革與創(chuàng)新,立足于核心競(jìng)爭(zhēng)力,根據(jù)市場(chǎng)需求和自身優(yōu)勢(shì),充分利用和挖掘資源稟賦,明確并堅(jiān)持具有特色和品牌的市場(chǎng)定位,才能在百舸爭(zhēng)流的金融機(jī)構(gòu)競(jìng)爭(zhēng)中勝出。本文通過分析小型城市商業(yè)銀行市場(chǎng)定位的現(xiàn)狀和存在的問題與風(fēng)險(xiǎn),深入分析和研究影響小型城市商業(yè)銀行定位的因素,據(jù)此提出小型城市商業(yè)銀行市場(chǎng)定位的策略選擇和對(duì)策建議。
[Abstract]:The ups and downs of the international banking industry have repeatedly proved that a sound and competitive banking structure is of great importance to the overall economic health of a country. Optimizing banking pattern and distributing banking (especially small bank) hierarchy scientifically can improve the overall competitiveness and stability of a country's banking industry and avoid the systemic risk caused by "homogeneity". To meet the needs of diversified financial services plays an important role. Especially after the 2008 international financial crisis, in the face of the law of "big but cannot fail, small but no need to save" in the banking industry, all circles at home and abroad have expressed general concern about the moral hazard of large banks. Even in the United States, an extremely liberal market economy system, all kinds of legislation have been adopted to form a powerful anti-competitive force for large banks. Including by restricting large banks to open branches in certain areas to enable many small banks to survive. In recent years, the small city commercial banks of our country closely rely on the local economic development and their own advantages, the development and progress is remarkable, especially in the service of small and medium-sized enterprises have played an important role. However, small city commercial banks are still in a weak position in the fierce competition with large and medium-sized banks and foreign banks. As an important part of the financial system, it is urgent for the small city commercial banks to play a better role in financial services and provide support for the development of the real economy. In the face of increasingly fierce financial competition, the key to the survival and development of small urban commercial banks is to find the right market positioning. Only by grasping the general trend of banking development, devoting to change and innovation, basing on the core competitiveness, fully utilizing and excavating resource endowment according to the market demand and own advantage, making clear and insisting on the market position with characteristic and brand, In order to win in the competition of financial institutions. By analyzing the present situation, problems and risks of the market positioning of small city commercial banks, this paper analyzes and studies the factors that affect the positioning of small city commercial banks. On the basis of this, the paper puts forward the strategic choice and countermeasures for the market positioning of small city commercial banks.
【學(xué)位授予單位】：上海社會(huì)科學(xué)院
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.33

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