地方性商业银行发展模式的研究

淘宝ID：新影像文化传播扣扣：5067170901地方性商业银行发展模式的研究淘宝ID：新影像文化传播扣扣：506717090I摘要地方性商业银行是我国新农村建设中不可或缺的小微金融机构。建立地方性商业银行是为了解决我国现有农村地区银行业金融机构覆盖率低、竞争不充分、金融供给不足、金融服务缺位等“金融抑制”问题，更好的建设地方性金融生态环境。但是，由于我国地方性商业银行起步较晚，国内学者对地方性商业银行的研究在研究总体上仍停留在问题表面，重视现象描述，缺乏背后深层原因的分析，国际比较经验借鉴不足。本文通过研究国内外地方性商业银行的发展历程，借鉴国外先进经验，对我国村镇银行的发展进行了总结，分析了地方性商业银行存在的风险，研究其地方性商业银行我国的发展现状及存在问题，并从地方性商业银行的市场定位、业务优化及管理优化等方面提出了具体的建议，从地方性商业银行存在的问题入手，提出现阶段促进地方性商业银行发展的一系列措施，希望能给相关的研究者提供一些有益的启发和建议。关键词:地方性商业银行；地方金融；风险评估；经营模式淘宝ID：新影像文化传播扣扣：506717090IIAbstractLocalcommercialbanksaresmallmicrofinancialinstitutionswhichareindispensableinthenewruralconstructioninourcountry.TheestablishmentofLocalcommercialbanksistosolvetheproblemsinourcurrentbankingfinancialinstitutionsinruralarealikethelowcoverage,insufficientcompetitionandfinancialshortagebythelackoffinancialservicessuchasfinancialrepressionandtodobetterintheconstructionofruralfinancialecologicalenvironment.However,asthevillagebankinChinastartedlate,thedomesticresearchonLocalcommercialbanksinthestudyoverallstillstaysonthesurface,todescribethephenomenon,analysisoftheunderlyingreasonsofthelackofexperience,lackofinternationalcomparison.Inthispaper,throughthedevelopmentofLocalcommercialbanksinandoutofChina,analysisoftheLocalcommercialbanks’developmentstatusandexistingproblemsinchina,andproposessomesuggestionsfromtheaspectsofmarketpositioning,businessoptimizationandmanagementoptimization;startingfromthevillagebankproblems,proposedaseriesofmeasurestopromoteLocalcommercialbanksdevelopment.Thispaperwantstoputsforwardsomebeneficialsuggestionsinhowtousethepolicywell.Keywords:localcommercial；bankslocalfinancial；riskassessment；businessmodel淘宝ID：新影像文化传播扣扣：5067170901目录摘要.........................................................................................................IAbstract......................................................................................................II第一章绪论..............................................................................................11.1背景意义......................................................................................................11.2研究方式与思路..........................................................................................1第二章现状..............................................................................................12.1国外地方性银行现状..................................................................................12.1.1尤努斯地方性商业银行.................................................................12.1.2尤努斯地方性商业银行的启示.....................................................22.2我国地方性商业银行发展现状..................................................................32.2.1我国地方性商业银行发展现状.....................................................32.2.2我国地方性商业银行存在问题.....................................................3第三章我国商业银行风险监管现状......................................................43.1我国商业银行风险监控措施......................................................................43.1.1设立商业银行风险监管的指标.....................................................43.1.2强化资产负债管理.........................................................................43.1.3建立商业银行监督制度.................................................................43.1.4完善法规体系.................................................................................53.2我国商业银行风险监管的不足..................................................................53.2.1缺少明确的风险承担主体.............................................................53.2.2风险监控的水平仍然很低.............................................................53.2.3风险监控优秀人才缺乏.................................................................53.2.4商业银行内部体系存在严重问题.................................................63.2.5风险预警机制不完善.....................................................................6第四章我国地方性商业银行发展模式研究..........................................64.1地方性商业银行SWOT分析.....................................................................64.1.1优势（Strength）...........................................................................64.1.2劣势（Weakness）.........................................................................74.1.3机遇（Opportunity）.....................................................................74.1.4威胁（Threat）..............................................................................84.1.5小结.................................................................................................84.2地方性商业银行的业务优化......................................................................94.2.1丰富金融产品种类.........................................................................10淘宝ID：新影像文化传播扣扣：50671709024.2.2合理确定产品价格及期限.............................................................104.2.3创新产品担保方式.........................................................................104.2.4优化业务申报流程.........................................................................104.3地方性商业银行自身管理优化................................................................114.3.1优化股权结构..................................................................................114.3.2完善准入机制、监管机制...