毕业设计(论文)-我国中小商业银行在三线城市的发展现状和建议.doc
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毕业设计(论文)-我国中小商业银行在三线城市的发展现状和建议.doc
摘要题目:我国中小商业银行在三线城市的发展现状和建议学 院 经济与贸易学院 专 业 金融学 学生姓名 学生学号 指导教师 提交日期 年月日毕 业 设 计 (论文) 任 务 书兹发给 学生 毕业设计(论文)任务书,内容如下: 1、毕业设计(论文)题目: 我国中小商业银行在三线城市的发展现状和建议 2、应完成的项目: (1)阅读文献,完成文献综述。 (2)基本概念和研究对象的界定。 (3)我国中小商业银行在三线城市的发展现状分析。 (4)我国中小商业银行在三线城市发现的优劣势分析。 (5)根据分析得到的问题,提出相对应的建议。 3、参考资料以及说明: (1)程慧霞.中小银行生存与发展研究(第一版)M.中国经济出版社,2004 (2)李印喜.国外中小商业银行发展模式及对我国的启示J科技信息.2007.35 (3)尹弢光. 我国中小商业银行竞争战略的选择J现代金融.2008.03 (4)肖远企.后危机时代我国中小银行的发展方向J中国金融.2010.3 (5)杨强.新时期中小股份制商业银行可持续发展的战略定位与思考J金融纵横.2008.11(6)中国统计年鉴2002-2010.中国统计出版社,2003-2011 4、本毕业设计(论文)任务书于 年 12 月 15 日发出,应于 年 5 月 10 日前完成,然后提交毕业答辩委员会进行答辩。指导教师 签发, 年 月 日教研组(系、研究所)负责人 审核, 年 月 日29摘要本文介绍了我国中小商业银行在三线城市的发展现状和建议。在国家政策的支持下,三线城市发展迅速,中小商业银行在三线城市开设新的银行分支机构。针对中小商业银行布局三线城市的现象,本文就我国中小商业银行在三线城市的现状进行分析,并提出发展建议。本文首先是现状的分析,三线城市经济高速发展,商业氛围浓厚,居民生活水平日益提高。中小商业银行纷纷布局三线城市,和当地政府企业建立良好的合作关系,开展各项银行业务。而后通过中小商业银行在三线城市的优劣势进行分析。发现目前中小商业银行在三线城市的发展还处于起步阶段,面临着很多的问题,但同样存在着很大的发展空间,机遇和挑战并存。最后针对所面临的问题,提出相应建议。分析表明,中小商业银行在三线城市的发展是一条漫漫长路,很多事项是值得注意的。首先必须建立完善的风险管理体系;然后是和当地政府企业建立良好的合作关系;接着是坚持制度的革新和产品创新的相结合;最后将优质热情的服务带给消费者,积极参与当地城市的公益建设,培育优良的潜在客户,提高企业在当地的知名度,为中小银行在当地的持续发展打好基础。通过我们不断的探索和研究,必能找出一条符合中小商业银行在三线城市发展的道路。关键词:中小商业银行;三线城市;银行业务AbstractThis thesis describes the small and medium-sized commercial banks (SMCBs) in the third-class cities development status and recommendations. In support of national policy, SMCBs open new bank branches in the third-class cities. This thesis analyzes the situation of SMCBs in the third-class cities, and put forward the ideas of development.The development of SMCBs among the third-class cities is illustrated in actuality in this thesis. It shows that with the rapid development of economy and industrial systems in the third-class cities, which followed by the improvement of living standard of local residence, SMCBs are making a distribution over the third-class cities and promoting sundry banking services, establishing the benign cooperating relationships with local governments and enterprises. On the basis of the development of SMCBs in third-class cities, a comparative analysis on advantage and disadvantage is conducted through three dimensions: The comparison among the third-class cities, the comparison among the SMCBs and the comparison between those SMCBs which had already settled in the third-class cites. Those SMCBs, with a promising development perspective, are at the initial stage of its development at present in the third-class cities, encountering a plenty of problems as well as opportunities. The advice on the development of SMCBs among the third-class had been put forward in the last section of this thesis.It is worthy staying sharp to plenty kinds of issues because it demands a long-term development for SMCBs in the third-class cities. First of all, an adaptive risk management system should be established. Secondary, mutual cooperative relationship ought to be built between SMCBs and local government and enterprises. Thirdly, the combination of system reform and production innovation needed to be persisted. Finally, passionate service for customers, active participation in local commonweal projects is needed in order to cultivate the potential clients and to boost the reputation of local enterprises, which paves the road for the sustaining development of the SMCBs. Through the persistent explorations and studies, an adaptive way for SMCBs development among the third-class cities is bound to be founded.Keyword: Small and medium-sized commercial bank, Third-class city, Bank operations目录目录摘要IAbstractII第一章 绪 论11.1选题背景11.1.1国家出台相关政策文件扶持中小城市的发展11.1.2国内中小商业银行发展迅速,影响力日益增大21.1.3国内二三线城市高速发展21.2选题意义31.2.1理论意义31.2.2现实意义41.3研究对象的界定41.3.1中小商业银行的界定41.3.2三线城市的界定41.4 研究方法和技术路线51.5国内外文献综述5第二章 中小商业银行在我国三线城市的发展现状82.1我国三线城市的发展现状82.1.1三线城市的城市建设现状82.1.2三线城市的经济发展现状92.1.3三线城市的商业发展现状102.1.4三线城市个人消费能力现状112.2中小商业银行的发展