本文選題：國(guó)家開(kāi)發(fā)銀行云南分行　切入點(diǎn)：中間業(yè)務(wù)　出處：《云南大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

【摘要】：近年來(lái),隨著經(jīng)濟(jì)一體化進(jìn)程的不斷深入,銀行業(yè)間的競(jìng)爭(zhēng)也越來(lái)越白熱化,國(guó)內(nèi)外各大銀行也大力發(fā)展除傳統(tǒng)信貸業(yè)務(wù)外的中間業(yè)務(wù),積極提高自身核心競(jìng)爭(zhēng)力。中間業(yè)務(wù)與資產(chǎn)業(yè)務(wù)、負(fù)債業(yè)務(wù)相比,具有資金成本低、風(fēng)險(xiǎn)小、收益低等多方面的優(yōu)質(zhì)特點(diǎn),逐漸成為我國(guó)商業(yè)銀行業(yè)務(wù)發(fā)展的主要方向。我國(guó)商業(yè)銀行中間業(yè)務(wù)起步較晚,中間業(yè)務(wù)收入占營(yíng)業(yè)總收入的比重較西方發(fā)達(dá)國(guó)家的商業(yè)銀行相比還有一定的差距,中間業(yè)務(wù)發(fā)展還有較大提升的空間。國(guó)開(kāi)行進(jìn)行商業(yè)化改革后,面臨著與國(guó)內(nèi)商業(yè)銀行同業(yè)競(jìng)爭(zhēng)的壓力,國(guó)開(kāi)行云南分行必須在做好傳統(tǒng)的中長(zhǎng)期貸款項(xiàng)目的同時(shí),重視分行中間業(yè)務(wù)的發(fā)展,通過(guò)中間業(yè)務(wù)的開(kāi)展維護(hù)客我關(guān)系,提升自身競(jìng)爭(zhēng)力。 本文從國(guó)開(kāi)行云南分行中間業(yè)務(wù)發(fā)展概況、中間業(yè)務(wù)收入結(jié)構(gòu)、存在問(wèn)題等方面入手對(duì)國(guó)開(kāi)行云南分行的中間業(yè)務(wù)發(fā)展現(xiàn)狀進(jìn)行分析研究,并運(yùn)用了SWOT分析法分析了國(guó)開(kāi)行云南分行在發(fā)展中間業(yè)務(wù)過(guò)程中面臨的優(yōu)勢(shì)、劣勢(shì)、機(jī)會(huì)和威脅,從而得出國(guó)開(kāi)行云南分行在特定的區(qū)域環(huán)境下開(kāi)展中間業(yè)務(wù)的核心競(jìng)爭(zhēng)力所在,結(jié)合中間業(yè)務(wù)產(chǎn)品的特點(diǎn),按照中間業(yè)務(wù)產(chǎn)品營(yíng)銷的流程從規(guī)劃先行、制度建設(shè)、隊(duì)伍建設(shè)、產(chǎn)品研發(fā)、多部門(mén)聯(lián)動(dòng)、綜合營(yíng)銷、考核機(jī)制建立、客我關(guān)系維護(hù)和風(fēng)險(xiǎn)防控等方面提出國(guó)開(kāi)行云南省分行發(fā)展中間業(yè)務(wù)的前、中、后期發(fā)展策略,力爭(zhēng)為分行中間業(yè)務(wù)的發(fā)展提供一定的參考。
[Abstract]:In recent years, with the deepening of the process of economic integration, the competition among the banks is becoming more and more intense. The major banks at home and abroad have also vigorously developed intermediary business in addition to the traditional credit business. Actively improve their core competitiveness. Compared with assets business and liability business, intermediary business has the characteristics of low capital cost, low risk, low income, and so on. It has gradually become the main direction of the development of commercial bank business in China. The intermediate business of commercial banks in our country started relatively late, and the proportion of intermediate business income to total operating income is still far behind that of commercial banks in western developed countries. After commercial reform, CDB is facing the pressure of competing with domestic commercial banks. CDB Yunnan Branch must do a good job of traditional medium- and long-term loan projects at the same time. Attach importance to the development of branch intermediary business, through the development of intermediary business maintenance of customer relations, improve their competitiveness. This paper analyzes the current situation of the development of intermediate business in Yunnan Branch of CDB from the following aspects: general situation of intermediate business development, income structure of intermediate business, existing problems and so on. It also analyzes the strengths, weaknesses, opportunities and threats faced by CDB Yunnan Branch in the process of developing intermediate business by using SWOT analysis method. In order to obtain the core competitiveness of CDB Yunnan Branch to carry out intermediate business under a specific regional environment, combined with the characteristics of intermediate business products, according to the process of marketing intermediate business products from the planning first, system construction, team building, Product research and development, multi-sector linkage, comprehensive marketing, establishment of assessment mechanism, maintenance of relations between customers and China, risk prevention and control, etc., put forward the development strategies of CDB Yunnan Branch for the development of intermediate business before, in the middle and later periods. Strive to provide a certain reference for the development of branch intermediary business.
【學(xué)位授予單位】：云南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F832.2

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