本文選題：農(nóng)村信用社　切入點(diǎn)：中間業(yè)務(wù)　出處：《山東大學(xué)》2012年碩士論文

【摘要】：自上世紀(jì)八十年代以來,各發(fā)達(dá)國家商業(yè)銀行中間業(yè)務(wù)的發(fā)展突飛猛進(jìn),有些商業(yè)銀行中間業(yè)務(wù)收入占比已達(dá)總收入的半數(shù)之多,成為銀行利潤的主要來源。相比于國際上發(fā)達(dá)國家商業(yè)銀行中間業(yè)務(wù)的開展情況,我國商業(yè)銀行的中間業(yè)務(wù)仍然具有起步晚、種類少、水平低的特點(diǎn)。 而作為地方性中小型金融機(jī)構(gòu)的聊城市農(nóng)村信用社,更屬于中間業(yè)務(wù)的發(fā)展洼地。盡管中間業(yè)務(wù)的重要性已成各級機(jī)構(gòu)的共識,但是中間業(yè)務(wù)的各項(xiàng)經(jīng)營指標(biāo)并不理想,發(fā)展情況難如人意。本文將以聊城市農(nóng)村信用社中間業(yè)務(wù)的拓展為內(nèi)容展開論述,分析在當(dāng)前金融形勢下,如何根據(jù)本地農(nóng)村信用社的特點(diǎn)大力推進(jìn)中間業(yè)務(wù)的發(fā)展,并對拓展中間業(yè)務(wù)的策略和方法進(jìn)行探討。 本文以提出問題、分析問題、解決問題的順序?yàn)樗悸?安排組織全文內(nèi)容：第一章,緒論。從聊城市農(nóng)村信用社業(yè)務(wù)發(fā)展的現(xiàn)實(shí)背景和同其他商業(yè)銀行在中間業(yè)務(wù)開展情況的對比中,引出本文的論點(diǎn),并介紹文章的框架結(jié)構(gòu)和主要內(nèi)容,屬于提出問題部分；第二章,聊城市農(nóng)村信用社中間業(yè)務(wù)概述。根據(jù)中間業(yè)務(wù)的概念、分類和特點(diǎn),從聊城市農(nóng)村信用社的發(fā)展歷程和業(yè)務(wù)特點(diǎn)的分析出發(fā),回答了大力發(fā)展中間業(yè)務(wù)的必要性；第三章,聊城市農(nóng)村信用社中間業(yè)務(wù)發(fā)展環(huán)境分析。運(yùn)用SwOT分析法全面分析聊城市農(nóng)村信用社中間業(yè)務(wù)發(fā)展的內(nèi)、外部環(huán)境,進(jìn)而得出中間業(yè)務(wù)發(fā)展的策略選擇所應(yīng)遵循的原則。以上兩章,都屬于分析問題部分；第四章,聊城市農(nóng)村信用社中間業(yè)務(wù)發(fā)展策略。分別從市場定位和發(fā)展方向、實(shí)施有效的市場調(diào)研和營銷、創(chuàng)新優(yōu)化服務(wù)手段、完善發(fā)展中間業(yè)務(wù)的內(nèi)部環(huán)境等四個方面進(jìn)行論述,提出了聊城市農(nóng)村信用社當(dāng)前中間業(yè)務(wù)的發(fā)展策略和具體方法,屬于解決問題部分。 本文主要的創(chuàng)新點(diǎn)包括：從農(nóng)村信用社發(fā)展中間業(yè)務(wù)的務(wù)實(shí)性出發(fā),必須實(shí)施以客戶為中心的市場營銷策略；提出中間業(yè)務(wù)服務(wù)界面的概念,以樹立客戶至上理念,增強(qiáng)服務(wù)功能。
[Abstract]:Since the 1980s, the intermediary business of commercial banks in various developed countries has developed by leaps and bounds. Some commercial banks have accounted for more than half of their total revenues. Compared with the international commercial banks in developed countries, the intermediate business of commercial banks in our country still has the characteristics of late start, few kinds and low level. The Liaocheng Rural Credit Cooperatives, as local small and medium-sized financial institutions, belong to the depressions of the development of intermediary business. Although the importance of intermediary business has become the consensus of all levels of institutions, the various operating indicators of intermediate business are not ideal. The development of the rural credit cooperatives in Liaocheng is not satisfactory. This paper will discuss how to promote the development of the intermediate business according to the characteristics of the local rural credit cooperatives under the current financial situation. The strategies and methods of developing intermediary business are also discussed. In this paper, to put forward the problem, analyze the problem, solve the problem as the train of thought, arrange the content of the whole text: chapter one, Introduction. From the real background of Liaocheng Rural Credit Cooperatives' business development and the comparison with other commercial banks in the development of intermediate business, this paper leads to the argument, and introduces the frame structure and main content of the article, which belongs to the part of raising questions; The second chapter, Liaocheng Rural Credit Cooperative intermediary business overview. According to the concept of intermediary business, classification and characteristics, from the Liaocheng rural credit cooperatives development process and business characteristics of the analysis, answered the necessity of vigorously developing intermediate business; The third chapter, Liaocheng rural credit cooperatives intermediary business development environment analysis. Using SwOT analysis method to analyze the internal and external environment of Liaocheng rural credit cooperatives intermediary business development, The above two chapters belong to the analysis part; the fourth chapter, Liaocheng Rural Credit Cooperative intermediary business development strategy. Respectively from the market positioning and development direction, Carrying out effective market research and marketing, innovating and optimizing the service means, perfecting the internal environment of developing intermediate business, and putting forward the development strategy and concrete method of the current intermediate business of Liaocheng Rural Credit Cooperative. It is part of the problem solving section. The main innovation points of this paper include: starting from the reality of developing intermediate business in rural credit cooperatives, we must implement the customer-centered marketing strategy, and put forward the concept of intermediate service interface to establish the concept of customer first. Enhance service function.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.2

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