城市商业银行的管理模式与发展战略研究—— 以宁波银行为例

本科生毕业论文城市商业银行的管理模式与发展战略研究——以宁波银行为例学生姓名____________指导教师____________级别___________学院_________专业_________班级__________学号______二0一年月日本科生毕业论文i城市商业银行的管理模式与发展战略研究——以宁波银行为例摘要截至2008年年底，我国城市商业银行有136家，比2007年增加了12家；从业人员达到15.09万人，同比增长了22.28%。根据银监局的统计数据：2008年底，银行业金融机构总资产达623,876.3亿元，5家国有商业银行总资产为318,358亿元，占银行业金融机构比例为51%；12家股份制商业银行总资产88,091.5亿元，占银行业金融机构总资产比例14.1%；然而全国136家城商行总资产41,319.7亿元，只占银行业金融机构总资产比例6.6%。虽然城市商业银行的发展对于深化我国金融体制改革、促进地方经济发展、维护社会稳定都有着十分重要的意义。但目前五大国有银行的垄断和各大股份制银行的迅速发展，加上外资银行的不断渗透，使城市银行面临的竞争形势日趋白热化。城市商业银行若想在竞争中求生存求发展，首先要做到“知己”。本文就是重点分析研究2009年评为“最佳城市商业银行”的宁波银行的先进管理模式和发展战略——引进外资、跨区域经营、改制上市，来探究城市商业银行今后的出路。关键词：引进外资；跨区域经营；改制上市本科生毕业论文iiTheresearchofmanagementmodeanddevelopmentstrategyofcitycommercialbanks，takingBankofNingboforexampleAbstractAttheendof2008,thetotalnumberofChinacitycommercialbankwas136,12morethanthatofin2007.Meanwhile,thenumberofstaffwasupto150,900,whichincreasedby22.28%year-on-year.AccordingtothestatisticsonCBRC，attheendof2008,totalassetsofbankingfinancialinstitutionswereuptoCNY62,388billion,ofwhich5state-ownedbanksaccountedfor51%(CNY31,835.8billion),ofwhich12stockcommercialbanksaccountedfor14.1%(CNY8,809.2billion)while136nation-wildcitycommercialbanksonlyaccountedfor6.6%(CNY4131.97billion).Nowadays,thecompetitionsituationthatcitycommercialbanksconfrontsisincreasinglyatawhiteheatformonopolyofstate-ownedbanksandrapiddevelopmentofstockcommercialbanksaswellasthepenetrationofforeignbanks,althoughthedevelopmentofcitycommercialbanksplaysasignificantroleindeepeningourfinancialsystemreform,promotingthelocaleconomicdevelopmentandmaintainingsocialstability,Soifthecitycommercialbankswanttostriveforsurvivalanddevelopmentinsuchcompetition,theyshould“acquaintancethemselves”.Thisthesisconcentratesonanalysistheadvancedmanagementmodeanddevelopmentstrategy(introductionofforeigncapital,cross-regionmanagement,remanufactureandIPO)ofNingboBank,whichwasregardedas“Thebestcitycommercial”in2009inordertoexplorethewayoutofcitybanks.Keywords:Foreigncapitalintroduction,cross-regionmanagement,remanufactureandIPO本科生毕业论文i目录一、绪论....................................................................................................................................1（一）选题背景和研究价值.............................................................................................1（二）主要研究内容.........................................................................................................1二、城市商业银行的发展........................................................................................................2（一）发展过程中存在的问题.........................................................................................21.资本充足率差异大...................................................................................................22.不良资产率高...........................................................................................................43.单一城市制经营.......................................................................................................54.产品创新水平差.......................................................................................................55.银行规模难以做大...................................................................................................66.缺乏优质资源...........................................................................................................7（二）近年来城市商业银行取得的进步.........................................................................81.规模逐步扩大...........................................................................................................82.跨区域扩张加快.....................................................................................................103.引入境外战略投资者.............................................................................................114.重组改制上市.........................................................................................................12三、宁波银行的管理模式......................................................................................................13（一）管理架构模式分析...............................................................................................131.内部控制管理框架.................................................................................................132.内部控制制度建设情况及实施情况.....................................................................14（二）目标市场的定位分析...........................................................................................151.市场定位中小企业的银行.....................................................................................152.中小企业群体发展空间广阔.................................................................................173.定位中小企业为宁波银行带来超额回报.............................................................18（三）风险控制分析.......................................................................................................20（四）人才成功引进分析...............................................................................................23四、宁波银行的发展战略分析..............................................................................................25（一）引进境外资产战略分析...........................