地方性商业银行发展模式研究.docVIP

地方性商业银行发展模式的研究  摘 要 地方性商业银行地方性商业银行地方性地方性商业银行地方性商业银行地方性商业银行地方性商业银行地方性商业银行地方性商业银行地方性商业银行Local commercial banks are small micro financial institutions which are indispensable in the new rural construction in our country. The establishment of Local commercial banks is to solve the problems in our current banking financial institutions in rural area like the low coverage, insufficient competition and financial shortage by the lack of financial services such as financial repression and to do better in the construction of rural financial ecological environment. However, as the village bank in China started late, the domestic research on Local commercial banks in the study overall still stays on the surface, to describe the phenomenon, analysis of the underlying reasons of the lack of experience, lack of international comparison. In this paper, through the development of Local commercial banks in and out of China, analysis of the Local commercial banks’ development status and existing problems in china, and proposes some suggestions from the aspects of market positioning, business optimization and management optimization; starting from the village bank problems, proposed a series of measures to promote Local commercial banks development. This paper wants to puts forward some beneficial suggestions in how to use the policy well. Keywords: local commercial； banks local financial； risk assessment； business model 目录 摘 要 I Abstract II 第一章 绪论 1 1.1 背景意义 1 1.2 研究方式与思路 1 第二章 现状 1 2.1 国外地方性银行现状 1 2.1.1 尤努斯地方性商业银行 1 2.1.2 尤努斯地方性商业银行的启示 2 2.2 我国地方性商业银行发展现状 2 2.2.1 我国地方性商业银行发展现状 3 2.2.2 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 4 3.1 我国商业银行风险监控措施 4 3.1.1 设立商业银行风险监管的指标 4 3.1.2 强化资产负债管理 4 3.1.3 建立商业银行监督制度 4 3.1.4 完善法规体系 4 3.2 我国商业银行风险监管的不足 4 3.2.1 缺少明确的风险承担主体 4 3.2.2 风险监控的水平仍然很低 5 3.2.3 风险监控优秀人才缺乏 5 3.2.4 商业银行内部体系存在严重问题 5 3.2.5 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 6 4.1 地方性商业银行SWOT分析 6 4.1.1 优势（Strength） 6 4.1.2 劣势（Weakness） 6 4.1.3 机遇（Opportunity） 7 4.1.4 威胁（Threat） 8 4.1.5 小结 8 4.2 地方性商业银行的业