【摘要】：隨著我國(guó)銀行業(yè)的不斷發(fā)展,商業(yè)銀行在金融業(yè)全面開(kāi)放的機(jī)遇和挑戰(zhàn)面前,正在由傳統(tǒng)商業(yè)銀行逐漸向現(xiàn)代全能型銀行集團(tuán)轉(zhuǎn)變,在利率市場(chǎng)化、資本約束、融資結(jié)構(gòu)失衡等形勢(shì)下,商業(yè)銀行邁向更廣闊的資本市場(chǎng)已成為必然的選擇,拓展投資銀行業(yè)務(wù)成為了各商業(yè)銀行發(fā)展的必由之路。 ZBZX分行是一家全國(guó)性中型股份制商業(yè)銀行位于三線(xiàn)城市的分支機(jī)構(gòu),由于多種原因,ZBZX分行的投資銀行業(yè)務(wù)發(fā)展相對(duì)緩慢,對(duì)中間業(yè)務(wù)收入的貢獻(xiàn)度比較有限,業(yè)務(wù)發(fā)展局面也一直沒(méi)有打開(kāi)。對(duì)于ZBZX分行來(lái)說(shuō),開(kāi)拓好投資銀行這一新興的金融領(lǐng)域并求得該項(xiàng)業(yè)務(wù)的快速發(fā)展,顯然對(duì)于今后實(shí)現(xiàn)盈利的快速和持續(xù)增長(zhǎng)有著十分重要的現(xiàn)實(shí)意義。面對(duì)方興未艾的市場(chǎng),以及先行一步的當(dāng)?shù)赝瑯I(yè)競(jìng)爭(zhēng)者,迅速找準(zhǔn)投資銀行業(yè)務(wù)的切入點(diǎn),打開(kāi)業(yè)務(wù)發(fā)展局面,爭(zhēng)奪和積累更多的優(yōu)質(zhì)客戶(hù)資源,爭(zhēng)取更多的市場(chǎng)份額,提升中間業(yè)務(wù)利潤(rùn)空間是該行亟待解決的問(wèn)題,也是本文研究的目的之所在。 本文在研究ZBZX分行的投資銀行業(yè)務(wù)時(shí),從多個(gè)角度對(duì)其投資銀行業(yè)務(wù)發(fā)展相對(duì)緩慢的原因及制約其發(fā)展的根源進(jìn)行了分析。正是由于缺乏科學(xué)的發(fā)展策略影響了ZBZX分行投資銀行業(yè)務(wù)的進(jìn)一步發(fā)展。本文在通過(guò)對(duì)ZBZX分行投資銀行業(yè)務(wù)進(jìn)行SWOT分析的基礎(chǔ)之上,確定了其差異化的戰(zhàn)略方向,然后結(jié)合范圍經(jīng)濟(jì)理論、金融創(chuàng)新理論、競(jìng)爭(zhēng)優(yōu)勢(shì)理論的應(yīng)用,并借鑒國(guó)內(nèi)外商業(yè)銀行發(fā)展投資銀行業(yè)務(wù)的成功經(jīng)驗(yàn),在差異化戰(zhàn)略框架下,為ZBZX分行制定出具體的發(fā)展策略,如：正確定位投行業(yè)務(wù)、完善業(yè)務(wù)相關(guān)配套、提高創(chuàng)新能力、注意客戶(hù)關(guān)系管理、打造業(yè)務(wù)品牌、加強(qiáng)風(fēng)險(xiǎn)控制等等。這些具體的措施圍繞著差異化戰(zhàn)略的實(shí)施而展開(kāi),進(jìn)而幫助ZBZX分行在投資銀行業(yè)務(wù)的發(fā)展上形成核心競(jìng)爭(zhēng)力。 在為ZBZX分行制定投資銀行業(yè)務(wù)發(fā)展的策略時(shí),本文十分注重結(jié)合所處三線(xiàn)城市的實(shí)際情況。希望本文的研究能對(duì)該行投資銀行業(yè)務(wù)的發(fā)展提供一些有益的探索和幫助,以應(yīng)對(duì)激烈的市場(chǎng)競(jìng)爭(zhēng),實(shí)現(xiàn)業(yè)務(wù)快速發(fā)展。 無(wú)論是從所處的城市來(lái)講,還是從投行業(yè)務(wù)的發(fā)展階段來(lái)講,在全國(guó)的商業(yè)銀行中ZBZX分行的情況都具有一定的普遍性,所以本文的研究在為ZBZX分行探索出一條發(fā)展路徑的同時(shí),也可以為廣大的同類(lèi)型的銀行機(jī)構(gòu)的業(yè)務(wù)發(fā)展提供借鑒和參考。
[Abstract]:With the continuous development of China's banking industry, commercial banks are gradually changing from traditional commercial banks to modern omnipotent banking groups in the face of the opportunities and challenges of the comprehensive opening of the financial industry. Under the situation of unbalanced financing structure, it has become an inevitable choice for commercial banks to move towards a broader capital market, and the expansion of investment banking business has become the only way for commercial banks to develop. ZBZX Branch is a branch of a national medium-sized joint-stock commercial bank located in a third-tier city. Because of various reasons, the investment banking business of ZBZX Branch develops relatively slowly, and its contribution to intermediate business income is relatively limited. Business development has not been open. For the ZBZX branch, it is of great practical significance to develop the investment bank as a new financial field and obtain the rapid development of the business, which is very important for realizing the fast and sustained growth of the profit in the future. In the face of the burgeoning market, as well as local competitors who are ahead of the market, we will quickly find the entry point for investment banking business, open up the business development situation, compete for and accumulate more high-quality customer resources, and strive for more market share. Improving the profit space of intermediate business is an urgent problem for the bank, and is also the purpose of this paper. When studying the investment banking business of ZBZX branch, this paper analyzes the reasons for the slow development of investment banking business and the root of restricting its development from several angles. It is because of the lack of scientific development strategy that affect the further development of ZBZX branch investment banking business. Based on the SWOT analysis of the investment banking business of ZBZX branch, this paper determines the strategic direction of its differentiation, and then combines the application of scope economy theory, financial innovation theory and competitive advantage theory. And draw lessons from the successful experience of domestic and foreign commercial banks to develop investment banking business, under the framework of differentiation strategy, make specific development strategies for ZBZX branch, such as: positioning investment banking business correctly, perfecting relevant business supporting, improving innovation ability. Pay attention to customer relationship management, create business brand, strengthen risk control and so on. These specific measures revolve around the implementation of differentiation strategy, and then help ZBZX branch to form core competitiveness in the development of investment banking business. In formulating the investment banking development strategy for ZBZX branch, this paper pays great attention to combining the actual situation of the third tier city. It is hoped that the research in this paper can provide some useful exploration and help for the development of the investment banking business of the bank in order to cope with the fierce market competition and realize the rapid development of the business. No matter from the city in which it is located or from the development stage of investment banking, the situation of ZBZX branches in commercial banks all over the country has a certain universality, so the research in this paper is exploring a development path for ZBZX branches at the same time. It can also provide reference for the business development of the same type of banking institutions.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F832.2

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