(地方性商业银行发展模式的研究.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  Abstract 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