随着金融市场不断发展，作为我国银行业第三梯队的城市商业银行的数量也在这一段时间内经过持续的增加。经过将近三十年的发展与扩张，城市商业银行已经成为我国银行业的重要力量之一。根据党的二十大报告精神，城市商业银行作为我国金融体系的中坚力量，为我国的金融稳定提供了充足的支持，为健全我国的金融体系作出了不可忽视的贡献。同时，由于我国城市商业银行由城市信用社改制而来，也存在许多的问题，例如：不良贷款率，经营效率，风险管理水平，资本金来源不足等。引入战略投资者不仅可以帮助城市商业银行解决经营效率，资金不足等问题，还可以提高城市商业银行的管理水平。因此，许多城市商业银行选择引入战略投资者。

      本文以案例研究的方式，从商业银行引入战略投资者的背景和意义入手，对国内外的研究现状进行了综述，确立了本文研究的理论基础，明确了研究内容和方法。以JS银行2017年引入战略投资者——中国华能集团的事件为案例，详细阐述了合作双方的情况以及案例事件发生的过程。首先，对于JS银行引入战略引资的动因进行详细的分析；其次，通过骆驼分析法和剩余收益分析法对于JS银行战略引资中国华能集团后的内部绩效和外部绩效这两方面经营绩效变化进行分析。研究发现：中国华能集团利用自身丰富的治理经验和管理优势帮助JS银行提高了公司治理水平，充分挖掘其内部发展潜力，借助自身强大的产业资源帮助JS银行扩张业务，并且中国华能集团很注重深JS银行盈利的成长性和安全性，有利于JS银行的外部市场价值的稳定增长。通过本文研究发现，处于资源富集地区的商业银行引入产业型战略投资者，实行产融结合的发展战略，增强银行的盈利能力和发展能力的同时，还能优化其自身的管理模式。最后，探讨JS银行引入战略投资者对于城市商业银行引入大型实体企业作为战略投资者的借鉴意义，为同类型城市商业银行引入战略投资者提供建议与参考。

With the continuous development of the financial market, the number of urban commercial banks, as the third echelon of China's banking industry, has been also increasing continuously during this period of time. After nearly 30 years of development and expansion, city commercial banks have become one of the important forces of China's banking industry. According to the spirit of the party's 20th report, city commercial banks, as the backbone of China's financial system, have provided sufficient support for China's financial stability and made a significant contribution to the improvement of China's financial system. At the same time, due to the restructuring of China's urban commercial banks from urban credit cooperatives, there are also many problems, such as: non-performing loan ratio, operating efficiency, risk management level, insufficient source of capital and so on. The introduction of strategic investors can not only help city commercial banks to solve the problems such as operating efficiency and insufficient funds, but also improve the management level of city commercial banks. Therefore, many city commercial banks choose to introduce strategic investors.

In the way of case study, starting with the background and significance of introducing strategic investors into commercial banks, this paper summarizes the research status at home and abroad, establishes the theoretical basis of this research, and clarifies the research content and method. Taking the event of JS Bank introducing strategic investor —— China Huaneng Group in 2017 as a case case, the situation of both parties and the process of the case event are detailed. Firstly, the analysis in detail; secondly, the analysis of internal and external performance of JS Bank through camel analysis method and residual income analysis method. Research found that China huaneng group using its rich governance experience and management advantages to help JS bank to improve the level of corporate governance, fully tap its internal development potential, with the help of their own powerful industry resources to help JS bank expand business, and China huaneng group pays attention to deep JS bank profit

growth and security, is conducive to the steady growth of the external market value of JS bank. Through this paper, it is found that commercial banks in resource-rich regions can introduce industrial strategic investors, implement the development strategy of combining industry and finance, enhance the profitability and development ability of banks, but also optimize their own management mode. Finally, the paper discusses the reference significance of JS Bank in introducing strategic investors for urban commercial banks to introduce large entity enterprises as strategic investors, and provides suggestions and reference for the introduction of strategic investors for the same type of urban commercial banks.

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