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上海交通大学硕士学位论文上海中资银行全面开放初期业务发展探讨姓名：黄哲申请学位级别：硕士专业：工商管理指导教师：胡海鸥2007012820022006200120052005WTOTHEPROBEOFCHINESEBANKS’BUSINESSDEVELOPMENTINSHANGHAIREGIONATTHEBEGINNINGPERIODOFFULLYMARKET-OPENINGTOTHEWTOABSTRACTThisthesisdepictedcurrentsituationofShanghaibankingindustrybasedonthefiveyearsdatafrom2001whenChinajoinedWTOto2005.Onevenground,Iprobedintothemarketstructure,jointefficientandtheaimingmodelwhichissuitableforthebusinessdevelopmentofChinesebanks.Then,IcomparedfouraspectsoffinancialresultsofShanghaibankingindustryin2005,whichareunder-performanceloanratio,incomestructure,earningabilityandindividualcontribution,foundthegapbetweenChineseandforeignbanksandanalyzedthereasontobringabouttheresultsthroughoperationunitlayout,serviceefficient,settlementnetwork,accounting,informationsystem,riskmanagement,R&Dability,customerrelationship,operationmodelandhumanresources.Onthisbasis,IproposedthecorecompetitionmodelofChinesebanks,whichisconsistedofstrategy,regulatory,businessprocess,creativity,managementandhumanresource.ToimprovetheChinesebanks’corecompetitiveness,IintroducedtheCitiBank,StandardCharted,HSBCandBankofAmericanforChinesebanks’retail,corporate,intermediate,security&investmentbankbusinessrespectively.Lastly,Iintroducedtheroleforregulatorybodyatthebeginningperiodoffullymarket-openingtotheWTO.Howtoincentivecreativity,pushcrossbusinessdevelopmentandmarket-orientinterest,useWTOrules,improveregulatorysystem,preventfinancialriskshouldbethecoreresponsibility.AtthiscrucialstageofShanghaifinancialindustry,foreignbankswillstrengthenthedualapproachtoexpandingtheirownbranchnetworkswhilealsoinvestinginChinesebanks,launchinghighprofitbusinessessuchascreditcardsindependently.ForChinesebanks,wemayalsomakeitachance,theexplicitgoalsaretoacquireadvancedbankingexpertiseandtechnologywhilealsoexertcorecompetitivenessourselves.KEYWORDS:BankingIndustry,FullyMarket-Opening,BeginningPeriod,MarketStructure,JointEfficient,ChineseBanks,CoreCompetition,SurveillanceResponsibility,Shanghai200612162006121620061216MBA1200155520061211MBA2111112005292616251-18710088121-21-12005FIGURE1-1OperationalInstitutionofChineseBanksinShanghaiBankingIndustryin2005411553441503311142118559195914216142943044162520218642926MBA31-22005FIGURE1-2OperationalInstitutionofForeignBanksinShanghaiBankingIndustryin2005ATM8812532121212587100275132003007.3%DBS1122005123126246.52200112248.32187%20600.01200110818.78211%14527.1220016938.38191%330.602001212.10279%50.68%34.43%14.89%2001-7.361.805.5656.43%38.22%5.35%2001-4.001.472.5351.80%34.45%13.75%2001-7.594.433.1666.14%27.63%6.23%20012.29-4.141.85200120055MBA41-11050001000015000050403020102000400060008000100001200014000050403020102000400060008000100001200014000050403020105010015020025005040302012002~20061-1CHART1-1MarketShareofShanghaiBankingIndustryfrom2001to2005120011.470.81.520.462200420050.140.0915.38%11.21%2.165.11200520%MBA5-29.67%-6.6%2003200514.89%5.35%13.75%6.2320015.562.533.161.8511320055A2005Master30MBA6200520.58%28.25%21.8027.5625.19%56.31%3.576.010458.56%42.93%3.634.883.61%5.51%0.941.26WTO2005114GDP2118%200413.86%200510.93%200556.41%38.81%17.612MBA712320041221815%20%20%25%MBA82001111152004121200612112001122021222320051421.4814.2424MBA933%15%11%WTOMBA1031CRnn3-1FIGURE3-1Bane’sMarketStructureClassificationCR4CR87565CR475CR88550CR46575CR88535CR45045CR87530CR43540CR845304019811411483-2FIGURE3-2Zhicaoyi’sMarketStructureClassificationCR8DCR870200200C40CR870200200J120CR840200200J2CR820200200198216311CRnHerfindahlIndexHCRnn2002nNCRn=∑Xi/∑Xii=1i=1MBA11NXinCR40.750.350.350.650.650.751994Hn2H=10000∑(Xi/T)i=1TXinXiTH18001000180010001994312200220064CR4H3-33-43-32001~2005CR4FIGURE3-3CR4IndicatorofShanghaiBankingIndustryfrom2001to2005200120022003200420050.58040.55380.52720.51220.50680.53610.60430.58640.57860.57290.56430.58130.59390.57850.56640.54160.51800.55970.63850.56370.56150.66790.66140.61862002~20063-320012005CR40.350.65CR43-42001~2005HFIGURE3-4HerfindahlIndexofShanghaiBankingIndustryfrom2001to2005200120022003200420051251112310871088108811271231119311531138110411641298122711221072105311541535151115291275135014402002~2006MBA123-420012005H10001800CR432BenstonBergerHunphrey20012005X1X2X3YY=0+1X1+2X2+3X3+SPSS13.0RegressionDescriptiveStatistics12.639413.62647163343.813934.57216951.0556899.659161626.495043.8199216MeanStd.DeviationNCorrelations1.000.945.984.238.9451.000.970.343.984.9701.000.260.238.343.2601.000..000.000.187.000..000.097.000.000..165.187.097.165.16161616161616161616161616161616PearsonCorrelationSig.(1-tailed)NMBA13VariablesEntered/Removedb,,a.EnterModel1VariablesEnteredVariablesRemovedMethodAllrequestedvariablesentered.a.DependentVariable:b.ModelSummaryb.984a.969.9612.68445Model1RRSquareAdjustedRSquareStd.ErroroftheEstimatePredictors:(Constant),,,a.DependentVariable:b.ANOVAb2698.7353899.578124.832.000a86.475127.2062785.21015RegressionResidualTotalModel1SumofSquaresdfMeanSquareFSig.Predictors:(Constant),,,a.DependentVariable:b.Coefficientsa-1.8731.207-1.552.147-.001.001-.152-.668.517.017.0031.1325