本文關(guān)鍵詞： 個(gè)人銀行業(yè)務(wù) 匯豐銀行沈陽分行 發(fā)展對策　出處：《東北大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：按照WTO協(xié)議的規(guī)定,我國自2006年底開始放開了對外資銀行的管理,進(jìn)入對銀行業(yè)市場全面開放的時(shí)代,外資銀行獲得國民待遇,可以與國內(nèi)銀行在平等的條件下競爭。在美國金融危機(jī)以及歐債危機(jī)蔓延全球的經(jīng)濟(jì)環(huán)境下,國際大型跨國銀行的投資業(yè)務(wù)和批發(fā)業(yè)務(wù)都受到不同程度的沖擊,作為商業(yè)銀行根基的個(gè)人銀行業(yè)務(wù)重新成為大型跨國銀行業(yè)務(wù)發(fā)展的重頭戲。在新興經(jīng)濟(jì)龍頭之一的中國,很多外資金融機(jī)構(gòu)都被內(nèi)地市場迅速膨脹的個(gè)人財(cái)富所吸引并相繼進(jìn)入中國市場。在當(dāng)前激烈的個(gè)人銀行業(yè)務(wù)市場競爭中,各家商業(yè)銀行都采取了不同的措施和嘗試來提高市場占有份額。匯豐銀行作為外資銀行的典型的代表,也在中國的個(gè)人業(yè)務(wù)市場上采取了很多積極的舉措。 本文首先闡述了個(gè)人銀行業(yè)務(wù)的理論基礎(chǔ),從個(gè)人銀行業(yè)務(wù)產(chǎn)生的歷史著手,對匯豐銀行沈陽分行(本文簡稱“匯豐沈陽”)的經(jīng)營現(xiàn)狀進(jìn)行了分析,基于筆者在匯豐銀行沈陽分行工作期間收集的資料和實(shí)際工作中遇到的問題和挑戰(zhàn),分析了個(gè)人銀行業(yè)務(wù)方面存在的問題。最后,就匯豐在沈陽的市場細(xì)分、渠道建設(shè)、客戶關(guān)系管理、操作風(fēng)險(xiǎn)控制以及人才培養(yǎng)等方面提出對策。 本文通過分析匯豐沈陽分行個(gè)人銀行業(yè)務(wù)的問題以及對策,從一定程度反映出外資銀行在我國個(gè)人銀行業(yè)務(wù)的發(fā)展現(xiàn)狀,可以幫助其他的外資銀行和本地銀行在發(fā)展個(gè)人銀行業(yè)務(wù)中出現(xiàn)的問題提供一些借鑒。另一方面,隨著中國的金融機(jī)構(gòu)日益增長的全球化需求,了解國際性金融機(jī)構(gòu)的管理方式和經(jīng)營理念也可以使本地的金融機(jī)構(gòu)在國際金融業(yè)務(wù)發(fā)展中更加富有競爭
[Abstract]:In accordance with the provisions of the WTO Agreement, since end of 2006, China has opened up the management of foreign banks and entered the era of comprehensive opening to the banking market. Foreign banks have been given national treatment. It can compete with domestic banks on equal terms. In the global economic environment where the financial crisis in the United States and the European debt crisis spread, the investment business and wholesale business of international large transnational banks are all affected to varying degrees. As the foundation of commercial banks, personal banking business has become a major part of the development of large-scale transnational banking business. China is one of the leading emerging economies. Many foreign financial institutions are attracted by the rapid expansion of personal wealth in the mainland market and enter the Chinese market one after another. Each commercial bank has taken different measures and tried to increase its market share. As a typical representative of foreign banks, HSBC has also taken many positive measures in the personal business market of China. This paper first expounds the theoretical basis of personal banking business, starting from the history of personal banking business, analyzes the management status of HSBC Shenyang Branch (referred to as "HSBC Shenyang"). Based on the data collected during the work of HSBC Shenyang Branch and the problems and challenges encountered in the actual work, this paper analyzes the problems existing in personal banking business. Finally, the market segmentation of HSBC in Shenyang is given. Channel construction, customer relationship management, operational risk control and personnel training and other aspects put forward countermeasures. By analyzing the problems and countermeasures of the personal banking business of HSBC Shenyang Branch, this paper reflects to a certain extent the current situation of the development of foreign banks' personal banking business in China. Can help other foreign banks and local banks in the development of personal banking problems to provide some reference. On the other hand, with the growing global demand of financial institutions in China. Understanding the management and management philosophy of international financial institutions can also make local financial institutions more competitive in the development of international financial business
【學(xué)位授予單位】：東北大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.2

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