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The Development Model Study of the Urban Commercial Banks in China

On 11/09/2013, in Finance, by rain

Since the first urban commercial bank was established in July,1995,China has already started up147urban commercial banks. After of development, City commercial banks have made remarkable achievements, and have become China’s banking sector following the state-owned commercial banks, joint-stock commercial bank after the “third echelon.” Under the guidance of the regulatory policy, strong support from the local government and their efforts, City commercial banks and other aspects of ourselves together, urban commercial banks are marking giant strides on its way to success. China’s financial industry from the “time bomb” to become the most dynamic banking system, one of the groups.The urban commercial are being put in a more difficulty situation as the competition in China’s banking industry accelerates and the foreign banks are entering into China’s banking market. In order to enhance their competitiveness and have a long-term development, they have to find a suitable development model.This paper made a deep analysis on the urban commercial banks’the current situation,the specialty and the role of development. Based on qualitative analysis and the comparison of small-sized banks in foreign, discuss the challenges and the problem that the urban commercial banks encountered, meanwhile advance the special means to resolve.It does research as follows:first of all, it summaries the urban commercial banks’ current development model and existence:unclear market orientation、 unreasonable governance structure、lacking of innovation and talent. The second by describing the characters of the small-sized banks in foreign, it makes a comparison between the urban commercial banks and the small-sized banks in foreign and discuss whether it is feasible to the urban commercial banks. Finally, it presents the development model and measures of the urban banks.

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The Research on the Factors of Influencing Capital Adequacy Ratio of Urban Commercial Banks

On 03/04/2012, in Finance, by rain

【Abstract】 Since 1995 when the first urban commercial bank was founded, urban commercialbanks have obtained great achievements through 11 years’ developments.Up to January,2006, the number of urban commercial banks has been to 117. Besides, The gross assetexpands from¥500 billion to¥2 trillion, The year profit grows from¥1 billion to thenearly¥10 billion, the rate of non-performing loans drops to 10% below from 34% andThe capital adequacy ratio(CAR) increases from the negative number to 2.7%, but it is stillfar away from 8% of CAR stipulated in “Commercial bank Capital Adequacy Rate Policingmethod”. According to “Commercial bank Capital Adequacy Management Stipulation”promulgated at the beginning of 2004, Commercial bank will suffer severer supervising andmanaging if the CAR can not achieve 8%. Therefore, it is the urgent matter to supplementthe capital and to make the CAR reach the sign. So, what is the reason why CAR of ourcommercial banks is low and how to enhance? This paper analyzes the factors ofinfluencing CAR of urban commercial banks, and proposes the corresponding suggestionsto enhance CAR.Focus on the factors of influencing CAR of urban commercial banks, this papermainly divides into following four sections.Section one is an introduction. This part proposes the significance of studying thefactors of influencing CAR of urban commercial banks, and describes domestic and foreignresearch results. Besides, it gives us the Research frame, content, and the researchtechnique and the technical route which adopts.Section two describes the related theory of capital of commercial banks. This partmainly analyzes the necessity of implementing the capital adequacy request to thecommercial bank. And simultaneously introduces several methods to calculate CAR ofcommercial banks at present.Section three analyzes the factors of influencing CAR of urban commercial banks bytaking Jiangsu Province as the example. This part reviews the historical evolution of urbancommercial bank and the present situation of all urban commercial banks. Then takingurban commercial banks of Jiangsu Province as an example, analyzes the factors with qualitative and quota.The last section proposes the way to enhance the CAR of urban commercial banksand puts forward the corresponding policy proposal.

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The Market Positioning Study of the Urban Commercial Banks in China

On 22/12/2011, in Finance, by rain

【Abstract】 Since the first urban commercial bank-Shenzhen commercial bank was established in July,1995,China has already started up 112 urban commercial banks.But urban commercial banks are being put in a more difficult situation as the competition in China’s banking industry accelerates and the foreign banks are entering into China’s financial market.In order to enhance their own competitiveness and have a more long-term development,they have to have a clear idea of their own market position.On the basis of analyzing the comparative advantages of American communitybanks and the feasibility of establishing Chinese Community Banks,this paper holds that urban commercial banks should be oriented to community banks.And According to the characteristics of community banks made the Sustainable development strategies and measures of the urban commercial banks.This paper makes a deep analysis on the current situation of the urban commercial banks,and discusses the challenges and the problems that the urban commercial banks encountered,meanwhilewe advance the relevant means to resolve.lt does the research as follows:First of all,it makes a profile of the urban commercial banks.The second,it takes the American first bank as an example to express the experience that the urbancommercial banks can learn from the American community banks by discussing the character of theAmerican community banks.The third,it makes a comparison between the urban commercial banks and the Americancommunity banks,and discusses whether it’s feasible to orientate the urban commercial banks to becommunity banks.On this basic,it suggests making the urban commercial banks to be community banks.Finally,it presents the Sustainable development strategies and measures of the urban commercial banks.

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An Analysis on Market Positioning of China’s City Commercial Banks

On 28/10/2011, in Finance, by rain

【Abstract】 From July 1995 the first city commercial bank in China-Shenzhen City Commercial Bank has been established, urban commercial banks, has experienced more than ten years of development. More than ten years of this development, the city commercial banks gradually became the main city finance in supporting economic development in urban areas and have become the most vigor and vitality of one of the groups of the banking system. However, due to congenital deficiency, city commercial banks from the date of birth associated with a range of issues.Such as business failure, poor-quality assets, historical burdens heavy, weak internal control system, coupled with increasingly fierce competition in the banking industry, urban commercial banks, the situation become more difficultThen under such circumstances, how does urban commercial bank try to make breakthrough?Based on the theory of the Financial Symbiosis Theory and Industrial Cluster Theory, 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. Major study of the following:The first part is introduction, mainly introduced to the background to the study proposed to study the issues and the main content of this study and methods to explain the main innovations of this article points and shortcomings.The second part focuses on the domestic city commercial banks in the market positioning of the theoretical research, and introduced the theory of appropriate scale, industrial cluster theory and financial symbiosis theory.The Third and final part of the market orientation of China’s city commercial banks to conduct analysis, first introduced the principles of market positioning, and analysis of China’s city commercial banks positioning defects, concludes with market orientation of China’s city commercial banks should adopt a strategy.The fourth section describes in order to achieve the previously mentioned market positioning strategy; we should start from what efforts and to propose specific measures and suggestions.

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Research on the Development Issues of Urban Commercial Banks in China

On 03/10/2011, in Finance, by rain

【Abstract】 As the outcomes of China’s financial system reform, the operation and management of Urban Commercial Banks go with birth defects due to historical reasons, small scale, poor asset quality, weak anti-risk ability, which restraint the development and expansion. With the support of government and the efforts of its own, the capital adequacy of Urban Commercial Banks have reached the standard until December 31,2008, the business type innovation, operational methods and philosophies have also improved significantly. This indicates that Urban Commercial Banks have made significant progress after reform, has developed a booming force in urban financial and an important force supporting national economic development, which survival and development adapt the needs of the times. With the deepening of financial reform and full liberalization of the banking industry, facing with fierce competition, the research on how to seize opportunities, meet challenges and continue promoting the better and faster development are the important issue that Urban Commercial Banks need to study. Whether in terms of advantages on their own or the requirements of function on macroeconomic to the Urban Commercial Banks in the banking system, the research on the management role of Urban Commercial Banks has significant meanings.This paper is divided into four parts; the first part reviewed the literature on the reform and development of Urban Commercial Banks at home and aboard, summarized the domestic and foreign researchers’strategy perspective view on the survival and development of Urban Commercial Banks. The second part review the characteristics, survival status and formation process of Urban Commercial Banks; the third part points out the problems in the Urban Commercial Banks at present; the last part put forward the proposal of promoting the development of Urban Commercial Banks.