本文選題：興業(yè)銀行 + 零售銀行業(yè)務(wù)　； 參考：《華中科技大學(xué)》2013年碩士論文

【摘要】：零售銀行業(yè)務(wù)是未來銀行業(yè)的發(fā)展趨勢(shì)。隨著當(dāng)前國內(nèi)金融制度改革的不斷深化，我國傳統(tǒng)零售銀行業(yè)務(wù)正面臨著同質(zhì)化經(jīng)營日益嚴(yán)重的問題，這將難以滿足客戶實(shí)時(shí)性和多樣化的需求。銀行只有走自己的發(fā)展道路，形成特色經(jīng)營戰(zhàn)略，才能打造和提升自身的核心競(jìng)爭(zhēng)力。興業(yè)銀行及時(shí)把握經(jīng)濟(jì)發(fā)展、金融市場(chǎng)改革以及監(jiān)管變化的趨勢(shì)，在2004年初正式提出“通過大力發(fā)展零售業(yè)務(wù)和新興業(yè)務(wù)、穩(wěn)步推進(jìn)綜合經(jīng)營實(shí)現(xiàn)業(yè)務(wù)模式轉(zhuǎn)變，進(jìn)而推動(dòng)實(shí)現(xiàn)盈利模式轉(zhuǎn)變”的轉(zhuǎn)變戰(zhàn)略。本文研究的重點(diǎn)問題就是，如何根據(jù)興業(yè)銀行武漢分行零售事業(yè)部的實(shí)際情況，制定一套切實(shí)可行的戰(zhàn)略實(shí)施計(jì)劃，從而進(jìn)一步增強(qiáng)自身的核心競(jìng)爭(zhēng)力。 本文首先介紹了研究背景、目的和意義，然后運(yùn)用PEST分析法分析了興業(yè)銀行武漢分行零售事業(yè)部所處的外部環(huán)境，接著從管理架構(gòu)、人力資源、核心產(chǎn)品、渠道建設(shè)、盈利能力五個(gè)方面分析了其所處的內(nèi)部環(huán)境，之后結(jié)合內(nèi)部環(huán)境和外部環(huán)境對(duì)其進(jìn)行了SWOT分析，歸納總結(jié)了內(nèi)部的優(yōu)勢(shì)和劣勢(shì)，以及所面臨的外部機(jī)遇和威脅，并根據(jù)SWOT分析的結(jié)果進(jìn)行了戰(zhàn)略匹配，最后提出了武漢分行零售事業(yè)部的戰(zhàn)略目標(biāo)和戰(zhàn)略舉措。 本文研究發(fā)現(xiàn)，武漢分行零售事業(yè)部應(yīng)該堅(jiān)持以占領(lǐng)高端客戶、培育和挖掘優(yōu)質(zhì)基礎(chǔ)客戶群體為主線，以建立互利持久的客戶關(guān)系為基礎(chǔ)，以集約化經(jīng)營、精細(xì)化管理為手段，以打造優(yōu)勢(shì)和特色產(chǎn)品、拓展?fàn)I銷渠道、提升服務(wù)能力為重點(diǎn)，積極調(diào)動(dòng)資源，穩(wěn)定扶持政策，促進(jìn)零售業(yè)務(wù)在規(guī)模、質(zhì)量、效益和服務(wù)上取得新突破。武漢分行零售事業(yè)部只有采取客戶聚焦、服務(wù)突破和資源整合的業(yè)務(wù)發(fā)展戰(zhàn)略，全面推進(jìn)人力資源戰(zhàn)略、服務(wù)營銷戰(zhàn)略以及品牌戰(zhàn)略的實(shí)施，，才能快速推動(dòng)零售銀行業(yè)務(wù)的發(fā)展，從而增強(qiáng)本行的核心競(jìng)爭(zhēng)力。
[Abstract]:Retail banking is the development trend of the banking industry in the future. With the deepening of the reform of domestic financial system, the traditional retail banking business in China is facing the increasingly serious problem of homogenization, which will be difficult to meet the real-time and diversified needs of customers. Only when banks take their own way of development and form characteristic management strategies can they build and enhance their core competitiveness. In early 2004, Societe Generale Bank held the trend of economic development, financial market reform and regulatory changes in a timely manner. In early 2004, it formally proposed that "through vigorously developing retail and emerging businesses, we should steadily push forward comprehensive management to realize the transformation of business models." Thus promoting the realization of profit model transformation "transformation strategy." The key problem of this paper is how to draw up a set of practical strategic implementation plan according to the actual situation of Retail Division of Industrial Bank of Wuhan Branch. This paper first introduces the background, purpose and significance of the research, then analyzes the external environment of the retail business department of Wuhan Branch of Industrial Bank by pest analysis, and then from the management framework, Human resources, core products, channel construction, profitability of five aspects of its analysis of its internal environment, then combined with the internal environment and external environment of SWOT analysis, summed up the internal strengths and weaknesses, As well as the external opportunities and threats, and according to the results of SWOT analysis of strategic matching, finally put forward the strategic objectives and strategic measures of the retail division of Wuhan Branch. The retail division of Wuhan Branch should insist on occupying high-end customers, cultivating and excavating high quality basic customer groups as the main line, establishing mutually beneficial and lasting customer relations as the basis, intensive management and fine management as the means. This paper focuses on building advantage and characteristic products, expanding marketing channels, improving service ability, actively mobilizing resources, stabilizing supporting policies, and promoting new breakthrough in scale, quality, benefit and service of retail business. The retail division of Wuhan Branch only adopts the business development strategy of customer focus, service breakthrough and resource integration, and comprehensively promotes the implementation of human resources strategy, service marketing strategy and brand strategy. In order to quickly promote the development of retail banking business, thereby enhancing the core competitiveness of the Bank.
【學(xué)位授予單位】：華中科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F272;F832.2

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