城市商业银行向社区银行转型路径研究-以w银行为例-research on the transformation path from city commercial bank to community bank - taking w bank as an example.docxVIP

万方数据 万方数据 城市商业银行向社区银行转型路径研究-以 W 银行为例 学位论文完成日期： 指导教师签字： 答辩委员会成员签字： 城市商业银行向社区银行转型路径研究—以 W 银行为例 摘 要 上世纪 90 年代，以城市信用社为基础的城市商业银行组建而成，经过近 20 年的发展，城市商业银行市场份额稳步上升，已成为我国金融体系中不可或缺的 一部分。近年来，由于世界经济复苏乏力、发展模式转型及内部产业结构调整等 因素的影响，我国经济呈现回落趋势。城市商业银行因与地方经济的发展存在紧 密联系，其发展从 2012 年开始步入下行通道，各项指标增长明显放缓，盈利能 力有所下降，群体内分化发展格局加剧。互联网金融方兴未艾，《存款保险条例》 的正式公布也预示着利率市场化的脚步已经越来越近，银行以利差收入为主的传 统收入结构将被打破。对于城市商业银行来说，受制于自身发展和政策监管的限 制，同时还存在有市场定位偏差、潜在风险滋生、产权结构不清晰、内部资源支 撑不足等问题。 社区银行是指定位于服务社区居民和小微企业的简易型银行网点。在我国金 融深化与金融创新的背景下，社区银行将成为城市商业银行未来发展的合理选 择。城市商业银行向社区银行转型，可通过改善股权结构、引入民间资本，定位 社区特色，升级经营理念，建立流程银行，内部资源集中等途径，既可以有效防 范金融风险又可以实现金融服务的深耕细作。 关键词：城市商业银行 社区银行 SWOT 分析法 转型路径 RESEARCH ON TRANSFORMATION PATHS OF URBAN COMMERCIAL BANKS TO COMMUNITY BANKS- ——BASED ON THE CASE OF BANK OF W ABSTRACT Urban Commercial Banks (UCB) in China which emerged in 90s and evolved from Urban Credit Cooperatives have become increasingly mature after decades of development. However, they also confront daunting challenges. In recent years, global economy recovery continues to be sluggish while China has been endeavoring to change its industrial structure and development pattern, which combine to slow down the pace of China economy growth. Stating from 2012, Urban Commercial Banks, which are closely related with local economies, has begun to slow down their development with declining profitability and worsening split among themselves. Whats more, the flourishing Internet Banking and newly issued Deposit Insurance Act indicate the interest rate liberalization in China is approaching, and the traditional profit model of margin interest is collapsing. UCBs find themselves being limited by restrictions within and regulatory policies outsides. They suffer from issues like market positioning deviation, potential risks, unclear property right structure, and insufficient inner resources and among others. Community Banks (CB) are light and convenient, targeting community residents and small and micro businesses. In the context of China’s finan