本文選題：商業(yè)銀行 + 零售業(yè)務(wù)��； 參考：《湖南大學(xué)》2013年碩士論文

【摘要】：隨著全球金融業(yè)務(wù)的不斷發(fā)展和深入,作為商業(yè)銀行重要業(yè)務(wù)支柱之一的零售業(yè)務(wù),在商業(yè)銀行中的價(jià)值創(chuàng)造能力得到了迅速地提升,零售業(yè)務(wù)越來越成為商業(yè)銀行發(fā)展的重要利潤源泉。但是,如何才能保持商業(yè)銀行零售業(yè)務(wù)持續(xù)發(fā)展的勢頭? 這是一個(gè)值得當(dāng)前學(xué)者們深思、探討的現(xiàn)實(shí)問題。在這樣的背景下,對(duì)零售業(yè)務(wù)進(jìn)行創(chuàng)新就顯得十分必要和關(guān)鍵了。根據(jù)近幾年國際、國內(nèi)商業(yè)銀行零售業(yè)務(wù)的歷史數(shù)據(jù),我們可以看出國內(nèi)外在這方面的差距十分懸殊。這不得不引起我國業(yè)界的重視。經(jīng)過一段時(shí)間的理論與實(shí)踐的研究,業(yè)界逐漸意識(shí)到只有依靠商業(yè)銀行零售業(yè)務(wù)的轉(zhuǎn)型與創(chuàng)新,才能帶動(dòng)整個(gè)商業(yè)銀行的核心競爭力和利潤創(chuàng)造力的提高。 論文在界定了“商業(yè)銀行零售業(yè)務(wù)”與“商業(yè)銀行零售業(yè)務(wù)創(chuàng)新”的概念的基礎(chǔ)上,闡明了商業(yè)銀行零售業(yè)務(wù)所依據(jù)的理論背景及創(chuàng)新的理論基礎(chǔ)。同時(shí),對(duì)我國商業(yè)銀行零售業(yè)務(wù)的發(fā)展現(xiàn)狀進(jìn)行了全面分析,得出了目前存在著發(fā)展戰(zhàn)略雷同、市場定位不夠清晰、營銷渠道建設(shè)缺乏合理規(guī)劃布局等多層次問題,并就其原因做出了剖析�；趯�(duì)以上現(xiàn)狀的分析,進(jìn)一步地總結(jié)出商業(yè)銀行零售業(yè)務(wù)創(chuàng)新的內(nèi)容與原則,創(chuàng)新的內(nèi)容主要包括：制度方面創(chuàng)新,產(chǎn)品方面創(chuàng)新,服務(wù)方面創(chuàng)新。另外在開展創(chuàng)新活動(dòng)中,為了符合高效、合規(guī)、科學(xué)等要求,應(yīng)該遵循運(yùn)行、管理模式與業(yè)務(wù)創(chuàng)新相匹配、收益覆蓋成本與風(fēng)險(xiǎn)等五個(gè)原則。這些將有助于商業(yè)銀行在零售業(yè)務(wù)實(shí)踐中更好地“揚(yáng)長避短”,進(jìn)行轉(zhuǎn)型與創(chuàng)新。 本文的亮點(diǎn)在于,不僅根據(jù)商業(yè)銀行零售業(yè)務(wù)存在的問題,從戰(zhàn)略層面上提出了未來零售銀行業(yè)務(wù)轉(zhuǎn)型制勝的八項(xiàng)必備能力；還從戰(zhàn)術(shù)層面上對(duì)商業(yè)銀行零售業(yè)務(wù)的創(chuàng)新提出了應(yīng)加大產(chǎn)品創(chuàng)新力度、成功實(shí)現(xiàn)零售網(wǎng)點(diǎn)的轉(zhuǎn)型、優(yōu)化客戶關(guān)系管理等方面的建議；最后,前瞻性地分析了未來社會(huì)的變化趨勢對(duì)商業(yè)銀行零售業(yè)務(wù)所帶來的機(jī)遇,并對(duì)如何把握這些機(jī)遇,實(shí)施向“大零售”的轉(zhuǎn)型制定了針對(duì)性的策略。
[Abstract]:With the continuous development and deepening of global financial business, retail business, as one of the important business pillars of commercial banks, has been rapidly enhanced in the ability of value creation in commercial banks. Retail business has become an important profit source for the development of commercial banks. However, how to maintain the commercial bank retail business development momentum? This is a current scholars to ponder, explore the reality of the problem. In this context, the retail business innovation is very necessary and key. According to the historical data of international and domestic commercial banks' retail business in recent years, we can see that the gap between domestic and foreign commercial banks in this respect is very wide. This has to arouse the attention of our industry. After a period of theoretical and practical research, the industry gradually realized that only by relying on the transformation and innovation of retail business of commercial banks, can the core competitiveness and profit creativity of the whole commercial banks be improved. On the basis of defining the concepts of "retail business of commercial bank" and "innovation of retail business of commercial bank", the paper clarifies the theoretical background and theoretical basis of innovation of retail business of commercial bank. At the same time, the paper makes a comprehensive analysis of the present situation of the retail business of commercial banks in our country, and draws the conclusion that the development strategy is similar at present, the market position is not clear enough, the marketing channel construction lacks the reasonable planning and layout, and so on. The reasons are analyzed. Based on the analysis of the above situation, the contents and principles of commercial bank retail business innovation are summarized further. The contents of innovation mainly include: system innovation, product innovation, service innovation. In addition, in order to meet the requirements of efficiency, compliance and science, five principles should be followed in carrying out innovation activities, such as operation, matching management mode with business innovation, income coverage, cost and risk. These will help commercial banks in retail business practice to better "strengthen strengths and avoid weaknesses", transformation and innovation. The bright spot of this paper lies in, not only according to the commercial bank retail business existence question, from the strategic aspect proposed the future retail bank business transformation to win the eight essential ability; It also puts forward some suggestions on the innovation of retail business of commercial banks from the tactical level, such as product innovation, successful transformation of retail outlets, optimization of customer relationship management and so on. This paper makes a forward-looking analysis of the opportunities brought by the changing trend of the future society to the retail business of commercial banks, and makes a targeted strategy on how to grasp these opportunities and implement the transition to "big retail".
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.2

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本文編號(hào)：1872951