【作者】 过大海；

【导师】 贝政新；

【作者基本信息】 苏州大学 ， 金融学， 2007， 硕士

【摘要】 城市商业银行是我国金融体制改革的产物,它是在城市信用合作社的基础上组建的城市性股份制商业银行。由于先天不足,城市商业银行从诞生之日起就伴随着一系列问题,如业务功能不全、资产质量差、历史包袱重、内控制度薄弱等,随着入世后我国银行业进一步对外开放,我国城市商业银行必将面临更加激烈的竞争环境。文章以中小商业银行生存和发展理论为依据,并借鉴国外中小银行的发展经验,阐明我国城市商业银行要生存和发展必须找准自己的市场定位,充分利用自身高效灵活的机制优势和地缘优势、人缘优势以及经营成本优势,以中小企业、居民为目标客户群,积极培育优质的客户群体;服务地方经济;提供个性化的零售服务,以谋求良好的经营绩效,获取可持续发展的能力。另外,城市商业银行要实现市场定位战略,首先必须从强化内部管理入手,通过采取完善法人治理结构、创新内部机制、加快金融产品创新和电子化建设、健全风险防范体系等措施,来提高银行内部的管理效益,以此弥补其规模小的不足,更好的为中小企业和广大市民提供金融服务。其次,营造一个良好的外部环境对城市商业银行实施市场定位战略也很重要。更多还原

【Abstract】 City Commercial Banks are one of the outcomes of China’s financial system reform. They are urban joint-stock commercial banks, which are restructured from former City Credit Co-operative. Because of its immature operation, problems exist since the date of their establishment, among which, deficient business functions, low quality assets, heavy biostatical burden and loose internal control mechanism are the notable ones. With more opening up to the outside world after China’s entry into WTO, China’s city commercial banks will face a more severe competition environment. Based on the theory of the existence and development of medium and small-sized commercial banks and the experience of foreign local banks in their growth, the paper aims to elucidate that in order to exist and develop further, city commercial banks in China should orientate themselves in the right market for their business, make full use of their flexible mechanism, good social relationship and operating cost, regard the“small-medium enterprises and urban residents”as their target clients, cultivate some excellent clients, serve for the local economy, provide specific retail service, seek for good managerial achievements and develop the ability of sustainable development. Besides, in order to enforce the strategies of orientation, city commercial banks should put priority on strengthening internal management with such measures as improving the system of corporation, innovating the internal mechanism, accelerating the development of electronization and financial products and perfecting the countermeasures of risks. All these measures help to increase the efficiency in internal management of City Commercial Banks and make up for their disadvantage in scale, thus providing better financial services for small- medium enterprises as well as the public. What’s more, to obtain a favorable external environment is also crucial to the enforcement of strategies of orientation.更多还原