【作者】 邢忠；

【导师】 戴歌新；

【作者基本信息】 西南财经大学 ， 工商管理， 2011， 硕士

【摘要】 当前国际国内经济向好,但不稳定、不确定因素很多,形势依然复杂严峻；加之,我们正处在不进则退的关键时期,经济回升的基础不稳定、不巩固、不平衡,决不能盲目乐观。作为商业银行,作为国有控股商业银行,交通银行坚持从实际出发,紧密结合当前国际国内经济金融形势,不断提高思想认识,查找突出问题,完善体制机制,在服务国民经济又好又快发展的同时,实现自身的科学发展。然而基层银行是构成商业银行的主体,基层银行工作的好坏直接决定着商业银行业务的成败。论文立足我国金融体制转轨和经济发展方式转变的宏观背景,主要结合银行发展模式理论和基层银行发展模式,从交通银行组织架构和发展状况入手,分析交通银行发展存在问题和原因,进而对如何构建具有特色的交行基层银行发展模式提出了对策建议。金融体制转轨这一特定历史时期下,银行应采取何种发展模式。交通银行应抓住金融体制转轨的特殊性,最优地在盈利、市场份额、可持续经营和金融产品优势等具体经营目标之间权衡取舍；同时找到交行基层银行发展中存在的问题及其原因,对症下药,寻找适合自身特点的发展模式,构建具有特色的交行基层银行发展模式。更多还原

【Abstract】 The current trend of domestic and international economy is getting better, but there are still instability and uncertainty in the future. Therefore, we are in the crucial period of-no progress, then regression. We cannot be blindly optimistic while the foundation of economic recovery is still not stable or balanced. As a state-owned commercial bank, Bank of Communications starts from reality, closely analyzing the matrix of the current economic and financial stand, both domestically and internationally. To improve our thinking, identify more potential problems, realize the target under the stable development of the economy. As individual branches are the fundamental of commercial banks, its effectiveness directly determines the future of our success.This article is mainly on how to construct the distinctive development mode for individual branches. It starts from analyzing our organizational structure and current status, identifies the underlying growth hazards, and then contributes to the thinking of how to consummate our own growth mode.This thesis consists of four parts:the first part is, a brief introduction to the basic situation and problems in current development; secondly, it is about the financial system transition in this particular historical period, both inside and outside the banking environment under study, from the microscopic, macro, market structure and system level analysis of commercial banks in the current development model. Under the financial system transition in this particular historical period, what kind of development method should the banks adopt? Our bank should take the special nature of the financial system transition to take the specific advantages of trade-offs between business objectives such as profits, market share, sustainable management and financial products. And thirdly, it is mainly from the operational risk management and credit risk management of the basic aspects of the problem and the reasons for development mode; Fourth, it discusses our own development model and the characteristics of the model, which is based on the key roles of the president who can play, the reform of institutional mechanisms, strengthen internal control, and deepen the credit risk management among seven aspects.更多还原