城市商业银行跨区域经营的风险管理分析-金融学专业论文.docxVIP

摘 要 “城市商业银行”这个名词是我国银行改革以后出现的新事物，建立之初， 以预防化解城信社可能产生的金融风险为主要目的。由于城信社受到巨额不良资 产与严重缺乏资本的影响，使之未能摆脱区域的局限。各国在追求经济快速发展 的同时必然会进一步放松对城商行的管制，跨区域经营发展也就成为了当前城商 行发展的趋势，但是伴随着城商行的不断发展，跨区域经营风险就会越来越突出， 因此本文研究城商行跨区域经营风险有重要意义。 本文在研究城商行跨区域经营风险管理的理论时密切联系实践，突出运用了 文献研究法、案例研究法、实地调研法和演绎归纳法等研究方法。首先，本文对 城商行跨区域经营风险管理的相关理论进行了详细的分析，得出了目前城商行跨 区域经营主要面临的风险。其次，本文对目前我国城商行跨区域的经营模式、经 营业绩和风险管理的原因进行了有效的梳理。并且在本文的第四章分析了 CZ 银 行跨区域经营风险管理的案例，使得城商行跨区域经营风险管理的论述更具有说 服力，更加贴合实际情况。最后，本文通过 CZ 银行案例，结合国外大型城商行 跨区域经营风险管理的经验，总结出我国城商行在跨区域经营风险管理的方法。 本文认为应该从树立城商行的风险控制文化氛围、完善城商行跨区域经营风险管 理的制度、设定运营成本的内控目标、建立以科技为支撑的风险管理方法、引进 城商行跨区域经营风险的管理人才、发挥城商行原有的经营优势这六个方面出发 来防范跨区域经营风险的发生。 关键词：城市商业银行；跨区域发展；风险管理 ABSTRACT The city commercial bank is a new thing which appears after our country banking reform. The purpose of city commercial bank is to prevent the city credit cooperatives financial risk and avoid excessive expansion. In addition, because of the huge bad assets and the serious lack of capital effects, city commercial bank failed to get rid of the limitation of the region. Economy has a rapid development, so the banking industry also will rise. Further relaxation of the city firm control can make the banks in the competition, differentiation, the expansion of the city, which promotes cross regional business development bank. This is the trend of the banking development. With the continuous development of city commercial banks, cross regional business risk will be more and more prominent, therefore study of city firm of cross regional business risk has important significance. The risk management of cross regional research is the city firm practice in the theory of this paper, which uses the literature research method, case study method, on-the-spot investigation method and deduction. Firstly, the theory on City Commercial Bank cross regional business risk management is analyzed in detail, and conclude that the risk of city commercial banks cross regional business at present. Secondly, this paper carried out the business model of comm