發(fā)布時(shí)間：2018-04-28 15:43

  本文選題：城市商業(yè)銀行 + 跨區(qū)域經(jīng)營(yíng)　； 參考：《華南理工大學(xué)》2014年碩士論文

【摘要】：從2006年開始我國(guó)部分城市商業(yè)銀行先后推行跨區(qū)域經(jīng)營(yíng)發(fā)展道路，跨區(qū)域經(jīng)營(yíng) 的收益和風(fēng)險(xiǎn)成為值得研究的問題。本文圍繞城市商業(yè)銀行跨區(qū)域經(jīng)營(yíng)收益和風(fēng)險(xiǎn)兩個(gè)方面展開研究，選取2006-2012年24家城市商業(yè)銀行作為樣本，收集相關(guān)經(jīng)營(yíng)指標(biāo)數(shù)據(jù)研究我國(guó)城市商業(yè)銀行跨區(qū)域經(jīng)營(yíng)后的收益和風(fēng)險(xiǎn)變化及原因。在收益方面，通過對(duì)城市商業(yè)銀行跨區(qū)域經(jīng)營(yíng)后總體情況的變化進(jìn)行描述以及對(duì)本、異地分支機(jī)構(gòu)之間的相關(guān)業(yè)務(wù)指標(biāo)進(jìn)行對(duì)比結(jié)果發(fā)現(xiàn):城市商業(yè)銀行跨區(qū)域經(jīng)營(yíng)后，在資產(chǎn)增速、資產(chǎn)質(zhì)量、盈利能力方面均取得較快發(fā)展，城市商業(yè)銀行異地分支機(jī)構(gòu)在貸款和利潤(rùn)方面對(duì)總行做出了巨大貢獻(xiàn)，部分大型城市商業(yè)銀行異地經(jīng)營(yíng)大有趕超總行所在地的趨勢(shì)。在風(fēng)險(xiǎn)方面，選取不良貸款率（RNPL）作為衡量風(fēng)險(xiǎn)的指標(biāo)，在省外分行數(shù)量、經(jīng)營(yíng)地區(qū)經(jīng)濟(jì)差異、貸款集中度、核心資本充足率等變量的基礎(chǔ)上，研究了跨區(qū)域經(jīng)營(yíng)對(duì)風(fēng)險(xiǎn)的影響。實(shí)證結(jié)果表明，，資產(chǎn)規(guī)模較大的城市商業(yè)銀行可以通過省外設(shè)立分支機(jī)構(gòu)以及在經(jīng)濟(jì)發(fā)展水平差異較大的地區(qū)經(jīng)營(yíng)有效降低不良貸款率風(fēng)險(xiǎn)，而資產(chǎn)規(guī)模較小的城市商業(yè)銀行盲目擴(kuò)張則會(huì)增加不良貸款率的風(fēng)險(xiǎn)。因此不能籠統(tǒng)地說城市商業(yè)銀行是否應(yīng)當(dāng)跨區(qū)域經(jīng)營(yíng)，要根據(jù)不同銀行的實(shí)際情況找準(zhǔn)市場(chǎng)定位，采取不同的發(fā)展道路。
[Abstract]:Since 2006, some city commercial banks of our country have implemented the road of trans-regional management and trans-regional management. The benefits and risks are worth studying. This paper focuses on the cross-regional operating income and risk of urban commercial banks, and selects 24 urban commercial banks as samples from 2006 to 2012. This paper studies the change of income and risk of urban commercial banks in China after cross-regional operation by collecting relevant management index data. In terms of income, through the description of the overall situation of urban commercial banks after cross-regional operation, as well as the comparison of the relevant business indicators among the local branches, it is found that: after the cross-regional operation of urban commercial banks, In terms of asset growth, asset quality and profitability, urban commercial banks have made great contributions to their loans and profits. Some large-scale commercial banks in different locations have a tendency to catch up with and surpass the location of the head office. In the aspect of risk, the non-performing loan ratio (RNPL) is chosen as the index to measure the risk. Based on the variables such as the number of branches outside the province, the regional economic difference, the degree of loan concentration and the ratio of core capital adequacy, the influence of cross-regional operation on risk is studied. The empirical results show that urban commercial banks with large assets can effectively reduce the risk of non-performing loans by setting up branches outside the province and operating in areas with different economic development levels. Urban commercial banks with small assets will increase the risk of non-performing loan ratio by expanding blindly. Therefore, it is not possible to say in general whether the city commercial banks should operate across regions, but to find out the market orientation according to the actual situation of different banks and adopt different development paths.
【學(xué)位授予單位】：華南理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.33

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 夏斌;城市商業(yè)銀行面臨邊緣化[J];銀行家;2004年06期

2 劉勝會(huì);;對(duì)我國(guó)商業(yè)銀行規(guī)模經(jīng)濟(jì)的理論與實(shí)證研究[J];金融論壇;2006年06期

3 劉飛;;城市商業(yè)銀行跨區(qū)域擴(kuò)張的收益和風(fēng)險(xiǎn)[J];金融論壇;2011年08期

4 劉久彪;楊曉東;;我國(guó)城市商業(yè)銀行跨區(qū)域經(jīng)營(yíng)問題研究[J];當(dāng)代經(jīng)濟(jì)研究;2011年07期

5 姚建軍;;城市商業(yè)銀行跨區(qū)域經(jīng)營(yíng)隱憂及策略探析[J];南方金融;2010年07期

6 王梅;;城市商業(yè)銀行異地?cái)U(kuò)張進(jìn)程中的風(fēng)險(xiǎn)分析[J];南方金融;2011年07期

7 楊肅昌;;城市商業(yè)銀行跨區(qū)域經(jīng)營(yíng)與風(fēng)險(xiǎn)管理研究[J];甘肅金融;2012年07期

8 盧獨(dú)景;;跨區(qū)域發(fā)展對(duì)城市商業(yè)銀行貸款損失的影響[J];金融論壇;2012年06期

9 大連銀行博士后工作站課題組;王勁平;王賀峰;;2012年城商行發(fā)展評(píng)述[J];銀行家;2013年01期

10 王漢昆;;跨區(qū)域經(jīng)營(yíng)應(yīng)成為城市商業(yè)銀行發(fā)展趨勢(shì)嗎[J];合作經(jīng)濟(jì)與科技;2008年18期

本文編號(hào)：1815897