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1、蘇州大學(xué)碩士學(xué)位論文我國城市商業(yè)銀行發(fā)展困境與對策姓名：邪學(xué)杰申請學(xué)位級別：碩士專業(yè)：金融學(xué)導(dǎo)教師：薛譽(yù)華20061001CcbDevelopingEmbarassmentandPoliciesiCcbDevelopingEmbarrassmentandPoliciesinChinaAbstractThroughthedevelopmentduringllyears,citycommercialbankhasclearedupthefinancidriskintheperiodoffoundation,vAnchhasensuredthe
2、stabilizationofeconomyfsocietyandfinancein117citiesandhasbeenanimportantpartinourbanksystem.Butwiththeadvanceofreformofourbankinganddrasticallycompetition,citycommercialbank'ssurvivalhasbeenmorehard.Basedonthetheoryofscaleeconomyrthetheoryofdealexpense?thetheoryofsurvival
3、technologyandthetheoiyofeconomyevolution,thisarticleopensouttherationalityofoccurrenceofsmall-mediumbanks.Bank,likeothermicrocosmicentity,followtheprincipleofAV-MC,diichrequireskeepreasonablescaletoarriveatthemaximizationofprofitThefinancingtheoryofsmall-mediumenterprise
4、andtheeffectofsmall-mediumbanktellusthenecessaryofoccurrenceofsmall-mediumbank-ThroughthedevelopingexperienceofUSAsmall-mediumbanks,whichmaketheaccuratemarketorientation"careinformationcommunicationbetweenbanksandenterprises,perfectlawsystem*thearticlesuggestssmall-medium
5、banks,especiallyCCB,needmaketheaccuratemarketorientation,exertcompletelytheadvantageofterritory,maintaingoodrelationshipofclientsanddialecticallyentreatsmallormediumofbank..AimingatthedevelopingembarrassmentofCCB,thearticleputsforwdthefollowingpolicies:healthyoperationint
6、er-ban"fevorableenvironmentouter-bankandvariousmodelofmanagingregion.Thepoliciesofhealthyoperationinter-bankincludebuildingthemanagingfiAeofenterprises,enhancingratioofbankcapital,makingthe拡curatemarketorientationandinnovationofproductandtechnology,perfectfiirthersupervis
7、ionandmeasurementofrisk"buildingthestaffsofhigh-levelandsooaThepoliciesoffavorableenvironmentouter-bankcontainsfinishingtiieCcbDevelopingEmbarrassmentandPoliciesinChinadifferenceofrigioaeconomy,perfectingfinancingregulations,improvingrelationshipbetweenbanksandenterprises
8、,maturingsocialcreditsystem.Thepoliciesofnousmodelofmanagingregionincludesselectingmodelandinnov
