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1、对外经济贸易大学 博士学位论文 中国中小商业银行价值管理模式设计、实践与效果分析以 北京银行为例 姓名：聂广鑫 申请学位级别：博士 专业：国际贸易学 指导教师：薛荣久 2010-05 1 摘 要 摘 要 随着我国银行业的改革开放日益深入，国际先进的商业银行、金融集团纷纷 到我国设点经营，国内市场的竞争日渐白热化，国际上有效的管理模式向国内的 传导更直接也更迅速。 价值管理模式作为一种比较成熟的市场化管理模式， 在国际上得到了广泛应 用，也取得了比较好的经营效果。在我国大型国有商业银行运用价值管理模式并 取得初步成果的情况下， 中小商业银行根据自身实际调整管理模式以应对竞争尤 显必要。 本文以公
2、司治理理论、业务管理理论、风险内控管理理论、持续增长理论为 基础，系统阐述了中小商业银行如何构建价值管理模式，并以具体的中小商业银 行北京银行为例，从价值管理模式的设计、涵盖的主要内容、应用推广实践 及实施效果来论证价值管理模式在中小商业银行的成功运作， 倡导有条件的中小 商业银行尽快实施价值管理模式。 本文论述的价值管理模式包括公司治理、业务管理、风险内控管理、持续增 长等内容，公司治理涵盖了治理结构、激励机制、价值评估等内容，业务管理涵 盖传统的存贷业务、表外业务、非银行业务等类型，风险内控管理涵盖风险管理 和内部控制两大内容，持续增长涵盖规模增长、业务增长等内容。本文通过定性 和定量相结
3、合的研究方法，综合研究了中小商业银行价值增长的机制。 本文的主要创新点集中在以下方面： 1、把价值管理的一般理论应用于商业银行。结合中小商业银行的特殊性， 本文从公司治理、业务管理、风险内控管理、持续增长等具有显著商业银行特点 的专业领域入手，由理论到实践，由一般到特殊，完全将价值管理理论融入中小 商业银行的经营管理当中。 2、将上市公司的价值管理运用到银行业中。抓住价值管理的发展趋势，将 上市公司普遍适用的价值管理理论与中小商业银行相结合， 推广价值管理的应用 范围。 3、提供了充分的实践支持。总结了典型商业银行运用价值管理的实践，充 分说明了价值管理理论在商业银行中的指导和支持作用， 同时
4、也用商业银行的实 践发展丰富了价值管理理论，使本文具有很强的适用性和实用性。 4、建立较符合实际的价值增长模型。结合中小商业银行发展成长的具体实 际，构建了具体的增长模型，并有效解释了价值增值。模型的适用性强，具有较 好的推广价值。 同时，本文也指出，价值管理模式并非适合所有中小商业银行。由于价值管 理模式的实施需要一系列条件，一些中小商业银行可能会在技术、资金、人员、 现实需求等方面有一定差距，在推行和实施价值管理模式中有一定困难，因此不 宜采用。也有的中小商业银行短期目标与长远目标和利益相差太远，宜先实现短 期目标，而不宜匆匆上马价值管理模式。另外，价值管理模式不能保证中小商业 银行肯定获
5、得成功，但是能有效地帮助提高股东回报水平，实现银行长期价值最 大化的根本性的经营目标， 这与中小商业银行迫切需要改变竞争地位的需要有一 定冲突。 关键词：中小商业银行，价值管理，北京银行，EVA，实践效果 1 Abstract With the futher reform and opening in China banking, the international advanced commercial banks and financial groups come to operate in China one by one. So the intense competitions in
6、the domestic market are more and more increasing. And the transmission of effective management mode is more immediate and more rapid. As a relatively mature market-oriented management mode, value management mode is widely used internationally, and has achieved good operating results. In the case tha
7、t large state-owned commercial banks using value management mode have achieved preliminary results, it is urgently necessary for the small and medium commercial banks to adjust their own management style to cope with the actual competition. Based on the corporate governance theory, business manageme
8、nt theory, risk control management theory, sustained growth theory, the author systematically discusses how small and medium commercial banks build value management mode. Through the case of specific small and medium commercial banks - Bank of Beijing, for example, from the angles of value managemen
9、t mode design, covering the main content, application and popularization of the practice and implementation results, it is proved that the value management mode is successfully operated in small and medium commercial banks. And the author promotes that small and medium commercial banks shall impleme
10、nt value management mode as soon as possible. The value of management mode includes corporate governance, business management, risk control management, sustained growth and other content. Corporate governance includes governance structures, incentive mechanism, the value of assessment, and so on. Bu
11、siness management covers the traditional deposit and loan business, off-balance-sheet business, non-banking business and other business. Risk control management covers risk management and internal control. The sustained growth covers scale growth, business growth and so on. Using a combination of qu
12、alitative and quantitative research method, the author studies the value growth mechanism of small and medium commercial banks. The major contributions of this paper, as well as its innovations, are primarily as followings: 1. The general theory of value management is applied to the commercial banks
13、. Considering the particularity of the small and medium commercial banks, this paper starts from corporate governance, business management, risk control management, and sustained growth, completely melts the theory of value management into the operation and management of small and medium commercial
14、banks. 2. Value management of listed companies is applied to the banking industry. According to the value management trends, this paper combines universally applicable theory of value management in listed companies with the small and medium commercial banks, and promotes the application of value man
15、agement. 3. The adequate support for the practice is available. This paper sums up the 2 practices of value management on typical commercial banks, and fully illustrates the guidance and support role of the theory of value management in the commercial banks. The theory of value management is enriche
16、d with the developing practice of commercial banks. So this paper possesses strong applicability and practicality. 4. The more realistic value growth model is built. Combining the development and growth of the small and medium commercial banks, this paper has built a specific growth model which effectively explains the value added. The model is applicable and has the popularizing value. Meanwhile, this paper also pointes out that value management mode is not suitable for all small and mediu
