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然而随着中国经济步入新常态，叠加银行业自身面临着利率市场化、金融脱媒以
及市场准入放松等诸多挑战，商业银行的发展商业银行的发展环境已发生深刻变化
首先是业务模式的变化，经济增速的放缓将直接导致银行信贷需求不足，利率市场化
和金融业的混业经营也使银行资金流通主渠道的地位已受到挑战，单纯依赖规模扩张
获取利差收入的粗放式发展方式已不可持续；其次是经营环境的变化。新常态下中国
经济增速将放缓，企业生产经营压力加大，信贷风险不断上升，商业银行的资产质量
将承受较大压力，如何有效的防控风险将成为商业银行面临的一大挑战。最后是政策
环境的变化。随着金融改革和金融法治建设的积极推进，金融监管机构将更加强调依
法监管从严、有效监管从严、监管标准从严、监管执法从严
本文以浙江MY城市商业银行为研究对象，在综合国内外研究成果的基础上，对
浙江MY商业银行近几年来经营数据、会议纪要等资料进行了深入分析，从盈利模式、
服务模式和资金流模式等三个角度，总结出浙江MY商业银行的业务发展模式。在此
基础上，综合运用PEST分析法、波特五力模型等管理学方法，分析总结了浙江MY商
业银行业务模式存在的内部缺陷，并结合其跨区域发展的经营背景，从盈利模式、服
务模式、资金流模式三方面重新构建了适合MY银行跨区域发展的业务模式。同时，
也为其它商业银行发展壮大提供有益借鉴
关键词：浙江MY商业银行；跨区域；业务模式2
Abstract
Due to the flexibility and effectiveness of the system in the organization, management
system and operation mechanism, etc, city commercial banks were growing and
developing fast. At the same time, as cross-regional operation gates opening after the ,
city commercial banks branches were developing rapidly in different places. Thanks to the
rapid development of Chinese economy in recent years, the pace of development of city
commercial banks is even more alarming. When city commercial banks were developed ,
they also made a great contribution to small and micro enterprises and the three rural
economy. City commercial banks were improving the structure of the banking system and
capital allocation efficiency of financial markets. City commercial banks have become an
important part of China's financial system.
However, with Chinese economy into a new norm, banking industry facing interest
rate liberalization, financial disintermediation, relaxation market access and many other
challenges, the environment of commercial banks development has undergone profound
changes. Firstly, the business model changes. With the slowdown in economic growth, it
directly results in insufficient demand for bank credit. Then, interest rate liberalization and
mixed operation of financial industry also challenge banking capital which is the main
channel of capital flows, and solely on the expansion of extensive development spread
income has been unsustainable. Secondly, the business environment changes. Under the
new normal of economic growth slow down, increased production pressure and rising
credit risk, the commercial banks’ asset quality will be under greater pressure, then, how
to effectively prevent and control the risks will be a major challenge faced by commercial
banks. Finally, policy environment changes. As financial reform and financial legal system
construction actively promoting, financial regulators will be more emphasis on strict
supervision according to law, strict and effective supervision, strict regulatory standards,
strict regulation and law enforcement.
This paper takes Zhejiang MY commercial bank as the research object, based on the
literature at home and abroad, analyses its’ operating data and meeting summaries in recent
years, sums up its’ business model from three angles which contain profit model, service
model and capital flow mode. On this basis, this paper uses PEST analysis, Porter's five3
forces model to analyze and summarize the internal defects of Zhejiang MY commercial
bank, then rebuilds its’ business model from profit model, service model and capital flow
mode, combined with the background of trans-regional operating. At the same time, this
paper provides a useful reference for other commercial banks.
Key Words: Zhejiang MY commercial bank; Trans-regional; Business model第 1 章 绪论
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