本文關(guān)鍵詞： 城市商業(yè)銀行 并購(gòu) DEA　出處：《山東財(cái)經(jīng)大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：我國(guó)的城市商業(yè)銀行伴隨著我國(guó)經(jīng)濟(jì)的發(fā)展，從無(wú)到有，從有到優(yōu)，先后經(jīng)歷了三個(gè)階段，城市信用社階段，城市合作銀行階段和城市商業(yè)銀行階段。城市商業(yè)銀行的每次變革都是隨著我國(guó)經(jīng)濟(jì)變化而進(jìn)行，城市信用社階段在我國(guó)改革開(kāi)放之初成立促進(jìn)了當(dāng)時(shí)經(jīng)濟(jì)發(fā)展，結(jié)束于20世紀(jì)90年代市場(chǎng)經(jīng)濟(jì)替代計(jì)劃經(jīng)濟(jì)成為我國(guó)社會(huì)經(jīng)濟(jì)的主導(dǎo)。城市商業(yè)銀行開(kāi)始于我國(guó)市場(chǎng)經(jīng)濟(jì)的建立，在此之后，我國(guó)加入世界貿(mào)易組織，對(duì)外開(kāi)放程度加深，促進(jìn)了我國(guó)經(jīng)濟(jì)的極大發(fā)展，城市商業(yè)銀行也在此基礎(chǔ)上得到了快速的成長(zhǎng)，在我國(guó)銀行業(yè)中開(kāi)始占有一席之地。但隨著對(duì)外開(kāi)放程度的加深，外資銀行也慢慢滲入進(jìn)來(lái)，在面對(duì)國(guó)有大型國(guó)有銀行和外資銀行的激烈競(jìng)爭(zhēng)中，城市商業(yè)銀行該怎么發(fā)展成了一個(gè)迫在眉睫的問(wèn)題。 首先概括了世界范圍內(nèi)的三次大規(guī)模的并購(gòu)浪潮，然后對(duì)我國(guó)的城市商業(yè)銀行的發(fā)展史，資產(chǎn)規(guī)模和出現(xiàn)的問(wèn)題做了分析。由此得知我國(guó)城市商業(yè)銀行存在著進(jìn)行改革，尋求新發(fā)展的需要。值得高興的是，我國(guó)從20世紀(jì)90年代就開(kāi)始了在中小銀行層面上并購(gòu)的嘗試，雖然有過(guò)失敗和挫折。2005年徽商銀行的成功合并重組為我國(guó)中小銀行在探尋發(fā)展的出路上提供了寶貴的經(jīng)驗(yàn)，并因此拉開(kāi)我國(guó)城市商業(yè)銀行并購(gòu)的序幕。2007年江蘇銀行合并重組成立，2008年山東城商行合作聯(lián)盟組建成立，在全國(guó)各地還有其他更多成功的案例。 作者在此著重分析了具有代表性的徽商模式，江蘇模式和山東模式，從背景、發(fā)展歷程和在并購(gòu)重組中的創(chuàng)新之處做了描述，并運(yùn)用DEA模型對(duì)徽商銀行，江蘇銀行和山東城商行聯(lián)盟中的青島銀行進(jìn)行了效率分析，來(lái)驗(yàn)證合并重組給各家銀行帶來(lái)的影響，從中得出結(jié)論。
[Abstract]:With the development of our economy, the city commercial banks in China have experienced three stages, urban credit cooperatives, from scratch to existence, from existence to excellence. The city cooperative bank stage and the city commercial bank stage. The city commercial bank each time transformation is carries on with our country economy change. At the beginning of reform and opening up, the stage of urban credit cooperatives promoted the development of economy at that time. In 1990s, the market economy replaced the planned economy, and the city commercial banks began to establish the market economy in our country. After that, China joined the World Trade Organization. The deepening of opening to the outside world has promoted the great economic development of our country, and the city commercial banks have also got rapid growth on this basis. But with the deepening of the opening to the outside world, foreign banks have gradually penetrated in, in the face of the fierce competition between state-owned large state-owned banks and foreign banks. How should the city commercial bank develop into an urgent problem. Firstly, it summarizes three large-scale M & A waves in the world, and then the history of the development of urban commercial banks in China. The scale of assets and the existing problems are analyzed. From this, we know that there is a need for reform and new development of urban commercial banks in China. Since 1990s, China has been trying to acquire and acquire small and medium-sized banks. Although there have been failures and setbacks, the successful merger and reorganization of Huizhou Merchants Bank in 2005 has provided valuable experience for the small and medium-sized banks in our country on the way to explore the development. The merger and reorganization of Jiangsu Bank was established in 2007, and the Shandong City Commercial Bank Cooperation Alliance was established in 2008. There are more successful cases across the country. The author focuses on the analysis of the representative Huizhou business model, Jiangsu model and Shandong model, from the background, development process and innovation in M & A, and applies the DEA model to Huizhou commercial bank. The efficiency analysis of Jiangsu Bank and Qingdao Bank of Shandong City Commercial Bank Alliance is carried out to verify the impact of the merger and reorganization on each bank and draw a conclusion from it.
【學(xué)位授予單位】：山東財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.33;F224

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