本文選題：縣域經(jīng)濟(jì)　切入點(diǎn)：邯鄲工行　出處：《河北大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：就經(jīng)濟(jì)政策的落實(shí)而言,縣域金融屬于其終端環(huán)節(jié),它對(duì)促進(jìn)縣域經(jīng)濟(jì)不斷前進(jìn)有著重要作用。在金融環(huán)境越來(lái)越復(fù)雜的情況下,金融市場(chǎng)不斷向縱深發(fā)展,銀行之間的競(jìng)爭(zhēng)日益激烈,但是伴隨著縣域經(jīng)濟(jì)水平的不斷提升,它對(duì)金融資金與服務(wù)提出了更高要求。不過(guò),當(dāng)前國(guó)有商業(yè)銀行還存在著鏈條長(zhǎng)、管理層級(jí)多的問(wèn)題,對(duì)縣域經(jīng)濟(jì)放貸的條件也比較嚴(yán)苛,導(dǎo)致縣域資金供求嚴(yán)重不均衡。近年來(lái),邯鄲工行逐漸放寬了向縣域經(jīng)濟(jì)放貸的條件,尤其是針對(duì)小微企業(yè)、小額農(nóng)戶的放貸規(guī)模不斷擴(kuò)大,但是在金融體制改革要求日益突出的情況下,工行開(kāi)始朝著集約化經(jīng)營(yíng)方向發(fā)展,普遍推行“重點(diǎn)行業(yè)、重點(diǎn)客戶、重點(diǎn)項(xiàng)目”戰(zhàn)略,這一行為取向一定程度上有利于縣域大項(xiàng)目、大產(chǎn)業(yè)的優(yōu)化和發(fā)展,但是無(wú)法適應(yīng)邯鄲各縣域的經(jīng)濟(jì)特點(diǎn),使縣域業(yè)務(wù)的規(guī)模和影響力趨向減弱。本文通過(guò)邯鄲東、西縣域經(jīng)濟(jì)發(fā)展的不同特點(diǎn),剖析邯鄲工行在東、西縣域發(fā)展過(guò)程中所面臨的機(jī)遇和挑戰(zhàn),利用SWOT模型進(jìn)行分析下一步營(yíng)銷戰(zhàn)略方向,并結(jié)合自身在工商銀行的基層工作經(jīng)驗(yàn)以及邯鄲縣域金融發(fā)展現(xiàn)狀的思考,就怎樣更好的推動(dòng)縣域金融發(fā)展和實(shí)施差別化管理、突破瓶頸迎接挑戰(zhàn)等,對(duì)邯鄲工行下一步縣域發(fā)展方向提供建議。
[Abstract]:As far as the implementation of economic policy is concerned, county finance belongs to its terminal link, which plays an important role in promoting the continuous progress of county economy. The competition among banks is becoming increasingly fierce, but with the constant improvement of the county economy, it puts forward higher requirements for financial funds and services. However, at present, state-owned commercial banks still have long chains and many management levels. In recent years, the Handan Industrial and Commercial Bank of China has gradually relaxed the conditions for lending to the county economy, especially for small and micro enterprises. The scale of lending by small farmers is constantly expanding, but with the increasingly prominent requirements of the financial system reform, ICBC has begun to develop in the direction of intensive management, and has generally pursued the strategy of "key industries, key customers, key projects," To a certain extent, this behavior orientation is conducive to the optimization and development of large county projects and industries, but it is unable to adapt to the economic characteristics of Handan counties, so that the scale and influence of county business tends to weaken. This paper analyzes the different characteristics of the economic development in the west county, analyzes the opportunities and challenges faced by Handan ICBC in the process of development in the east and west counties, and analyzes the next marketing strategy direction by using the SWOT model. Combined with their own working experience at the grass-roots level of ICBC and the current situation of Handan county financial development, how to better promote the county financial development and implement differential management, break through the bottleneck to meet the challenges, etc. Handan Industrial and Commercial Bank of the next county development direction to provide advice.
【學(xué)位授予單位】：河北大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F127

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