發(fā)布時(shí)間：2019-01-06 07:54

【摘要】：自2005年以來,在我國金融相關(guān)的各個(gè)行業(yè)中,銀行業(yè)一直是最賺錢的行業(yè)之一。隨著利率市場(chǎng)化進(jìn)程的推進(jìn)[1],金融脫媒化的逐步深入,同業(yè)競(jìng)爭趨勢(shì)的加劇,更有外資銀行的引入,使得各家商業(yè)銀行都在加緊步伐尋找新的利潤增長點(diǎn)。我國商業(yè)銀行的零售業(yè)務(wù)由于其面向的大多是個(gè)人、家庭及小企業(yè)等[2],就具有風(fēng)險(xiǎn)相對(duì)較小,收入較穩(wěn)定、成長性較好的特點(diǎn)。目前商業(yè)銀行零售業(yè)務(wù)在我國銀行業(yè)創(chuàng)造的利潤價(jià)值比以往高了許多,現(xiàn)已陸續(xù)成為各家商業(yè)銀行實(shí)行的業(yè)務(wù)轉(zhuǎn)型重點(diǎn),但如何將商業(yè)銀行零售業(yè)務(wù)順利發(fā)展就值得深入研究一番。本文具體介紹了我國商業(yè)銀行零售業(yè)務(wù)的理論基礎(chǔ)、運(yùn)用SWOT分析法探究了如今我國商業(yè)銀行零售業(yè)務(wù)的優(yōu)勢(shì)、劣勢(shì)、機(jī)遇和威脅。分別介紹了國內(nèi)和國外商業(yè)銀行零售業(yè)務(wù)的發(fā)展進(jìn)程,重點(diǎn)分析了我國最先提出零售業(yè)務(wù)的招商銀行和成為世界零售業(yè)務(wù)發(fā)展典范的花旗銀行,從兩者的業(yè)務(wù)發(fā)展策略中尋找我國銀行業(yè)零售業(yè)務(wù)發(fā)展過程中的不足。并通過因子分析法對(duì)2015年上半年我國13家主要商業(yè)銀行零售業(yè)務(wù)相關(guān)財(cái)務(wù)指標(biāo)和業(yè)務(wù)數(shù)據(jù)加以實(shí)證分析,得出目前商業(yè)銀行主要的三個(gè)主成分是規(guī)模收入能力、風(fēng)險(xiǎn)防范能力和潛在發(fā)展能力。同時(shí)得出13家商業(yè)銀行在三個(gè)主成分下的得分,并據(jù)此得到單個(gè)影響因子和綜合因素影響下各銀行的排名情況,從而提出我國商業(yè)銀行零售業(yè)務(wù)發(fā)展的合理化建議。提出需要通過提高銀行服務(wù)標(biāo)準(zhǔn)來贏得客戶,真正實(shí)現(xiàn)以客戶為中心的銀行服務(wù)宗旨,建立品牌效益以增強(qiáng)商業(yè)銀行軟實(shí)力,進(jìn)行客戶細(xì)分來加強(qiáng)零售產(chǎn)品的營銷、重點(diǎn)發(fā)展中間業(yè)務(wù)等策略。借鑒國外成功的零售業(yè)務(wù)發(fā)展經(jīng)驗(yàn),針對(duì)我國商業(yè)銀行零售業(yè)務(wù)面對(duì)的挑戰(zhàn)和機(jī)遇,探索出一條適合于我國金融體制的商業(yè)銀行發(fā)展道路。從而為實(shí)現(xiàn)我國商業(yè)銀行零售業(yè)務(wù)轉(zhuǎn)型戰(zhàn)略,促進(jìn)商業(yè)銀行零售產(chǎn)品的創(chuàng)新,提升業(yè)內(nèi)市場(chǎng)競(jìng)爭力進(jìn)而提出可供參考的建議。
[Abstract]:Since 2005, banking has been one of the most profitable industries in China. With the advancement of interest rate marketization, the gradual deepening of financial disintermediation, the intensification of interbank competition and the introduction of foreign banks, each commercial bank is stepping up its pace to find new profit growth points. The retail business of commercial banks in our country has the characteristics of relatively small risk, stable income and good growth, because most of the retail business is aimed at individuals, families and small enterprises. At present, the value of profits created by the retail business of commercial banks in China's banking industry is much higher than in the past, and has now become the focus of business transformation implemented by commercial banks one after another. However, how to develop the retail business of commercial banks is worth further study. This paper introduces the theoretical basis of retail business of commercial banks in China, and probes into the strengths, weaknesses, opportunities and threats of retail business of commercial banks in China by means of SWOT analysis. This paper introduces the development process of retail business of domestic and foreign commercial banks respectively, and analyzes the China Merchants Bank, which first put forward the retail business in China, and Citibank, which has become the model of retail business development in the world. From the two business development strategies to find the development of our banking retail business deficiencies. Through the empirical analysis of the financial indexes and business data of 13 major commercial banks in China in the first half of 2015, it is concluded that the main three principal components of commercial banks are the capacity of scale income. Ability of risk prevention and potential development. At the same time, the scores of 13 commercial banks under the three principal components are obtained, and the ranking of each bank under the influence of a single factor and a comprehensive factor is obtained, and the rational suggestions for the development of retail business of commercial banks in China are put forward. It is necessary to win customers by improving banking service standards, realize the aim of customer oriented banking service, establish brand benefits to enhance commercial banks' soft power, and carry out customer segmentation to strengthen the marketing of retail products. Focus on the development of intermediary business and other strategies. Referring to the successful retail business development experience of foreign countries and aiming at the challenges and opportunities facing the retail business of commercial banks in our country, this paper explores a commercial bank development path suitable for our country's financial system. In order to realize the transformation strategy of retail business of commercial banks in China, promote the innovation of retail products of commercial banks, and promote the market competitiveness of the commercial banks, some suggestions for reference are put forward.
【學(xué)位授予單位】：遼寧師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2016
【分類號(hào)】：F832.2

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