本文選題：利率市場(chǎng)化 + 東亞銀行(中國(guó))　； 參考：《南京大學(xué)》2012年碩士論文

【摘要】：改革開(kāi)放三十年來(lái),中國(guó)銀行業(yè)的發(fā)展也隨之一并快速成長(zhǎng)和發(fā)展成熟。中國(guó)銀行業(yè)已一改過(guò)去“大一統(tǒng)”的局面,無(wú)論是資產(chǎn)規(guī)模還是參與的經(jīng)營(yíng)體都呈現(xiàn)出快速增長(zhǎng)和百花齊放的局面。當(dāng)下的中國(guó)銀行業(yè)既有國(guó)有控股大型商業(yè)銀行、也有全國(guó)性股份制商業(yè)銀行、外資銀行和城市商業(yè)銀行、農(nóng)村信用社等大大小小銀行業(yè)金融機(jī)構(gòu)近千家,甚至部分銀行已經(jīng)走向了海外拓展之路。 但是,無(wú)論是內(nèi)資銀行還是外資銀行經(jīng)營(yíng)收入中息差占比依然較高,而這部分收入就是長(zhǎng)期以來(lái)“利率管制”所造成的天然壟斷。2010年10月關(guān)于“利率市場(chǎng)化的改革”已經(jīng)被正式寫(xiě)入我國(guó)“十二五”規(guī)劃,這將對(duì)未來(lái)中國(guó)銀行業(yè)的競(jìng)爭(zhēng)格局和所有銀行業(yè)的參與者都將產(chǎn)生重大影響。 縱觀國(guó)際,無(wú)論是發(fā)達(dá)國(guó)家還是發(fā)展中國(guó)家在利率市場(chǎng)化改革前后的金融體系都會(huì)出現(xiàn)劇變,這種劇變不僅體現(xiàn)在一些體制風(fēng)險(xiǎn)會(huì)暴露出來(lái),更多的體現(xiàn)于經(jīng)營(yíng)和發(fā)展的新機(jī)遇。而如何改變未來(lái)銀行業(yè)格局,如何取得先發(fā)優(yōu)勢(shì)就在于當(dāng)下各商業(yè)銀行如何盡早盡快創(chuàng)造“差異性”的競(jìng)爭(zhēng)戰(zhàn)略。 東亞銀行(中國(guó))有限公司作為首批在華成立的外資銀行法人機(jī)構(gòu)已在中國(guó)內(nèi)地深耕90余年。憑借其悠久的經(jīng)營(yíng)歷史、良好的政府公共關(guān)系管理經(jīng)驗(yàn)和龐大的內(nèi)地分支行網(wǎng)絡(luò)以及“本地化”的金融戰(zhàn)略,東亞銀行(中國(guó))自成立之日起已經(jīng)連續(xù)獲得了多項(xiàng)外資銀行“第一”。 但作為在華經(jīng)營(yíng)的外資銀行同樣需要面對(duì)利率市場(chǎng)化改革所帶來(lái)的沖擊。如何能夠在沖擊中占得先機(jī),取得競(jìng)爭(zhēng)優(yōu)勢(shì)就必須制定和貫徹良好的競(jìng)爭(zhēng)戰(zhàn)略。通過(guò)準(zhǔn)確的市場(chǎng)定位、有效地運(yùn)營(yíng)活動(dòng)、豐富的金融產(chǎn)品創(chuàng)新、良好的人力資源管理、穩(wěn)健的風(fēng)險(xiǎn)管理機(jī)制相互協(xié)作,取得最大化的收益。 本文首先回顧了中國(guó)利率市場(chǎng)化改革的動(dòng)因,從經(jīng)濟(jì)原理和國(guó)內(nèi)外學(xué)者的研究中得出利率市場(chǎng)化改革的必然性。同時(shí)通過(guò)發(fā)達(dá)國(guó)家和發(fā)展中國(guó)家利率市場(chǎng)化改革的對(duì)比吸取經(jīng)驗(yàn)教訓(xùn),探討我國(guó)利率市場(chǎng)化改革的方向。接著分析了我國(guó)銀行業(yè)發(fā)展的現(xiàn)狀和利率市場(chǎng)化改革對(duì)內(nèi)外資銀行所帶來(lái)的影響,以期為分析東亞銀行(中國(guó))的競(jìng)爭(zhēng)戰(zhàn)略做鋪墊。通過(guò)上述分析,進(jìn)一步論述東亞銀行(中國(guó))目前的發(fā)展現(xiàn)狀和市場(chǎng)地位,并給予利率市場(chǎng)化條件下的競(jìng)爭(zhēng)優(yōu)勢(shì),制定出未來(lái)的競(jìng)爭(zhēng)戰(zhàn)略和實(shí)施規(guī)劃。 論文按從當(dāng)下回顧歷史,再?gòu)漠?dāng)下展望未來(lái)的思路,結(jié)合運(yùn)用經(jīng)濟(jì)學(xué),管理學(xué),市場(chǎng)營(yíng)銷(xiāo)學(xué)和人力資源管理學(xué)等方面的理論和知識(shí),并結(jié)合筆者的工作實(shí)際進(jìn)行分析和研究。
[Abstract]:In the past thirty years of reform and opening up, the development of China's banking industry has also grown rapidly and mature. The Chinese bank has changed the situation of "great unity" in the past. Both the asset scale and the involved operation have shown a rapid growth and a hundred flowers bloom. The current Chinese Banking industry has a large commercial bank of state-owned holdings. Also, there are national joint-stock commercial banks, foreign banks and urban commercial banks, rural credit cooperatives and other large and small banking financial institutions, and even some banks have gone on the road of overseas expansion.
However, the income of domestic and foreign banks is still higher, and this part of the income is the natural monopoly caused by "interest rate control" for a long time. In October, the "reform of interest rate marketization" has been formally written to the "12th Five-Year" plan in China, which will compete for China's banking industry in the future. The pattern of competition and all participants in the banking industry will have a significant impact.
Throughout the world, there will be a dramatic change in the financial system of the developed and developing countries before and after the reform of the interest rate marketization. This upheaval is not only reflected in the exposure of some institutional risks, but more in the new opportunities for management and development. How can the following commercial banks create competitive strategy as soon as possible?
As the first foreign bank corporation established in China, the Bank of East Asia (China) Limited has ploughed into the mainland of China for more than 90 years. With its long history, good government public relations management experience, a large mainland branch network and the "localization" financial strategy, the Bank of East Asia (China) has been established since its founding. A number of foreign banks "first" have been continuously obtained.
But as the foreign banks operating in China, the foreign banks also need to face the impact of the reform of interest rate marketization. How can we make up and carry out a good competitive strategy in the impact and obtain competitive advantages. Through accurate market positioning, effective operation, rich and rich financial products innovation and good human resource management Rational and stable risk management mechanisms cooperate with each other to maximize revenue.
This paper first reviews the motivation of the reform of China's interest rate marketization, and draws the inevitability of the reform of interest rate marketization from the economic principle and the study of scholars at home and abroad. At the same time, through the comparison of the reform of interest rate marketization between developed countries and developing countries, the direction of the market-oriented reform in China's rate of interest rate is discussed. The present situation of the development of the banking industry and the impact of the reform of the interest rate marketization on the domestic and foreign banks in order to make a paving for the analysis of the competitive strategy of the Bank of East Asia (China). Through the above analysis, the present situation and market status of the East Asian Bank (China) are further discussed, and the competitive advantage under the conditions of the interest rate marketization is given. The competition strategy and the implementation plan.
By reviewing the history from the present, and looking forward to the future, the thesis combines the theory and knowledge of economics, management, marketing and human resource management, and analyzes and studies the practice in combination with the author's work.
【學(xué)位授予單位】：南京大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.5;F832.3

【相似文獻(xiàn)】

相關(guān)期刊論文 前10條

1 ;東亞銀行[J];現(xiàn)代商業(yè)銀行;2002年04期

2 ;東亞銀行在龍的家鄉(xiāng)[J];中國(guó)外匯管理;2004年06期

3 蔣衛(wèi)武;;東亞銀行:從來(lái)就是“中國(guó)人的銀行”[J];小康;2007年05期

4 云濤;;東亞銀行：小銀行也能作出大文章[J];金融博覽(銀行客戶);2007年01期

5 李薇;;東亞銀行的親民牌[J];經(jīng)理人;2008年04期

6 陳楠;;東亞銀行擺脫次貸陰影[J];商務(wù)周刊;2009年05期

7 卜暉;;成本、時(shí)間雙節(jié)省[J];信息方略;2009年17期

8 馬騰躍;;香港來(lái)的年輕委員——訪全國(guó)政協(xié)委員、東亞銀行副行政總裁李民斌[J];中國(guó)金融家;2010年04期

9 李靜;Aggie;Gary Hynson;;金融中心打造進(jìn)行時(shí) 東亞銀行有備而來(lái)[J];重慶與世界;2010年05期

10 魏s，

本文編號(hào)：1948961