借鉴外资银行推进股份制商业银行制度创新-区域经济学专业论文.docxVIP

浙江师范大学硕士学位论文中文摘要 浙江师范大学硕士学位论文 中文摘要 中国加入wT0后，金融领域的竞争，出现“国际竞争国内化、国内 竞争国际化”的新现象。外资银行的纷纷亮相和积极的展业姿态，对 中资银行产生了巨大的冲击波，尤其是南京“爱立信”的倒戈事件， 给中资银行的发展敲响了警钟。我国的股份制商业银行，既没有国有 商业银行庞大的分支网络、巨额资产和国家信誉作支撑，也没有国际 金融机构健全的管理体制和完善的国际网络，更加明显地感受到这股 冲击波带来的压力，如何在夹缝中求生存、求发展，并且不断提高核 心竞争力，已成为当前亟待研究的重大课题。本文拟通过与外资银行 的比较，阐明股份制商业银行的优势与劣势，借鉴外资银行内部治理 结构、营销服务等方面的操作方法和经验，提出推进股份制商业银行 制度创新的一些见解。 本文共分五个部分： 一、国内股份制商业银行的发展现状 二、在华外资银行的发展现状及经营特点 三、国内股份制商业银行的相对优势 四、国内股份制商业银行的相对劣势 五、推进国内股份制商业银行制度创新的对策 关键词：外资银行股份制商业银行 借鉴制度创新 浙江师范大学硕士学位论文ABSTRACT 浙江师范大学硕士学位论文 ABSTRACT At％r China entered WTO，its financial industry has shown new phenomenon in which‘‘international competition is domesticized and demestic competition is internationalized’．The emergence of foreign-funded banks one after another in china and their enthusiasm has greatly impacted on the domestic—funded banks．The‘Nanjing Ericsson Incident’in particular sounded the alarm bell for the development of the domestic-funded banks．And the shareholding commercial banks in China have neither big branch network,huge amounts of assets and state credibility,which are owned by state—owned commercial banks，nor the complete management’system and perfect international network possessed by the international financial institutions．This has become major subject to be tackled promptly．This paper lries to illustrate advantages and disadvantages of the shareholding commercial banks in comparison with foreign-funded banks． And by mirroring the foreign-funded banks in respect of business 01)erations and experiences in the internal management，marketing etc．some new ideas are to be put forward to boost institutional innovation in shareholding commercial banks． This paper consist offive parts： 1．The present situation of the domestic shareholding commercial banks 2．The present situation and operational characteristics of the foreign-funded banks in China 浙江师范大学硕士学位论文3．The 浙江师范大学硕士学位论文 3．The relative advantages ofdomestic shareholding commercial banks 4．The relativ