本科生毕业论文城市商业银行的管理模式与发展战略研究——以宁波银行为例学生姓名____________指导教师____________级别___________学院_________专业_________班级__________学号______二0一年月日城市商业银行的管理模式与发展战略研究——以宁波银行为例摘要截至2008年年底，我国城市商业银行有136家，比2007年增加了12家；从业人员达到15.09万人，同比增长了22.28%。根据银监局的统计数据：2008年底，银行业金融机构总资产达623,876.3亿元，5家国有商业银行总资产为318,358亿元，占银行业金融机构比例为51%；12家股份制商业银行总资产88,091.5亿元，占银行业金融机构总资产比例14.1%；然而全国136家城商行总资产41,319.7亿元，只占银行业金融机构总资产比例6.6%。虽然城市商业银行的发展对于深化我国金融体制改革、促进地方经济发展、维护社会稳定都有着十分重要的意义。但目前五大国有银行的垄断和各大股份制银行的迅速发展，加上外资银行的不断渗透，使城市银行面临的竞争形势日趋白热化。城市商业银行若想在竞争中求生存求发展，首先要做到“知己”。本文就是重点分析研究2009年评为“最佳城市商业银行”的宁波银行的先进管理模式和发展战略——引进外资、跨区域经营、改制上市，来探究城市商业银行今后的出路。关键词：引进外资；跨区域经营；改制上市Theresearchofmanagementmodeanddevelopmentstrategyofcitycommercialbanks，takingBankofNingboforexampleAbstractAttheendof2008,thetotalnumberofChinacitycommercialbankwas136,12morethanthatofin2007.Meanwhile,thenumberofstaffwasupto150,900,whichincreasedby22.28%year-on-year.AccordingtothestatisticsonCBRC，attheendof2008,totalassetsofbankingfinancialinstitutionswereuptoCNY62,388billion,ofwhich5state-ownedbanksaccountedfor51%(CNY31,835.8billion),ofwhich12stockcommercialbanksaccountedfor14.1%(CNY8,809.2billion)while136nation-wildcitycommercialbanksonlyaccountedfor6.6%(CNY4131.97billion).Nowadays,thecompetitionsituationthatcitycommercialbanksconfrontsisincreasinglyatawhiteheatformonopolyofstate-ownedbanksandrapiddevelopmentofstockcommercialbanksaswellasthepenetrationofforeignbanks,althoughthedevelopmentofcitycommercialbanksplaysasignificantroleindeepeningourfinancialsystemreform,promotingthelocaleconomicdevelopmentandmaintainingsocialstability,Soifthecitycommercialbankswanttostriveforsurvivalanddevelopmentinsuchcompetition,theyshould“acquaintancethemselves”.Thisthesisconcentratesonanalysistheadvancedmanagementmodeanddevelopmentstrategy(introductionofforeigncapital,cross-regionmanagement,remanufactureandIPO)ofNingboBank,whichwasregardedas“Thebestcitycommercial”in2009inordertoexplorethewayoutofcitybanks.Keywords:Foreigncapitalintroduction,cross-regionmanagement,remanufactureandIPO目录一、绪论.....................................................................................................................................1（一）选题背景和研究价值..............................................................................................1（二）主要研究内容..........................................................................................................1二、城市商业银行的发展.........................................................................................................2（一）发展过程中存在的问题..........................................................................................21.资本充足率差异大....................................................................................................22.不良资产率高.............................................................................................
