本文關(guān)鍵詞：中信銀行中間業(yè)務(wù)發(fā)展研究　出處：《上海交通大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

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【摘要】：隨著我國金融行業(yè)的逐步開放,國內(nèi)商業(yè)銀行的生存環(huán)境不斷發(fā)生變化,傳統(tǒng)的資產(chǎn)負(fù)債業(yè)務(wù)盈利空間越來越小,中間業(yè)務(wù)成為商業(yè)銀行新的利潤增長點。目前,中間業(yè)務(wù)已與資產(chǎn)業(yè)務(wù)、負(fù)債業(yè)務(wù)成為銀行三大支柱業(yè)務(wù)之一,是我國商業(yè)銀行面對西方發(fā)達(dá)國家商業(yè)銀行競爭、迎接全球化挑戰(zhàn)、提高自身經(jīng)濟實力的一個重要支柱�，F(xiàn)今,我國絕大部分商業(yè)銀行都已開展中間業(yè)務(wù),但是在運營過程中出現(xiàn)的各種問題,導(dǎo)致中間業(yè)務(wù)未能發(fā)揮應(yīng)有的作用。本文試圖在對世界先進(jìn)國家商業(yè)銀行中間業(yè)務(wù)發(fā)展研究的基礎(chǔ)上,對我國商業(yè)銀行中間業(yè)務(wù)發(fā)展?fàn)顩r進(jìn)行梳理,并結(jié)合作者個人工作經(jīng)驗,選擇中信銀行這樣一家典型的商業(yè)銀行作為案例進(jìn)行分析,最后提出我國商業(yè)銀行中間業(yè)務(wù)發(fā)展建議。全文共分為五個章節(jié)。第一章緒論部分,交待了作者的研究背景和課題研究意義,并對論文的框架以及研究方法進(jìn)行了敘述,最后對中間業(yè)務(wù)的相關(guān)概念進(jìn)行了闡述,并闡述了發(fā)展中間業(yè)務(wù)的重要性。第二章中,作者對國外商業(yè)銀行的中間業(yè)務(wù)發(fā)展?fàn)顩r進(jìn)行了概述。首先對先進(jìn)國家中間業(yè)務(wù)發(fā)展現(xiàn)狀及其亮點進(jìn)行了分析,隨后選取美國以及歐洲的英、德、法為代表,分別分析各國銀行業(yè)中間業(yè)務(wù)政策環(huán)境、發(fā)展現(xiàn)狀以及市場特點等。第三章主要討論了我國商業(yè)銀行中間業(yè)務(wù)發(fā)展情況。首先對我國商業(yè)銀行中間業(yè)務(wù)發(fā)展現(xiàn)狀進(jìn)行了概括。隨后通過與先進(jìn)國家商業(yè)銀行中間業(yè)務(wù)發(fā)展進(jìn)行對比,找出差距所在,并對國內(nèi)商業(yè)銀行中間業(yè)務(wù)熱點問題進(jìn)行了探討。同時探討分析了我國商業(yè)銀行中間業(yè)務(wù)發(fā)展過程中面臨的轉(zhuǎn)變。第四章,作者結(jié)合自身多年從業(yè)經(jīng)驗,對中信銀行中間業(yè)務(wù)發(fā)展情況進(jìn)行了詳細(xì)介紹,包括目前發(fā)展現(xiàn)狀、總體經(jīng)營情況等,并相應(yīng)地提出了發(fā)展建議。第五章中,通過上文的研究,作者總結(jié)得出我國銀行中間業(yè)務(wù)發(fā)展的建議:從策略上來講,應(yīng)依托流程優(yōu)化與創(chuàng)新,著力推動重點產(chǎn)品發(fā)展;細(xì)分客戶、差異營銷,踏實做好有效客戶;優(yōu)化創(chuàng)新機制,著重培養(yǎng)全系統(tǒng)的創(chuàng)新能力。具體措施包括持續(xù)拓展客戶,加強支持保障體系建設(shè);加強產(chǎn)品及管理,拓寬收入來源;落實聯(lián)系人制度,加強組織推動;加強營銷,強化管理,促進(jìn)各項產(chǎn)品持續(xù)發(fā)展。
[Abstract]:With the gradual opening up of the financial industry in our country, the living environment of domestic commercial banks is constantly changing, and the profit space of traditional asset-liability business is becoming smaller and smaller. Intermediary business has become a new profit growth point of commercial banks. At present, intermediary business and assets business, liability business has become one of the three pillars of bank business. It is an important pillar for Chinese commercial banks to face the competition of commercial banks in western developed countries, to meet the challenge of globalization and to improve their own economic strength. Nowadays, most commercial banks in our country have carried out intermediate business. However, various problems in the operation process, resulting in the intermediary business failed to play its due role. This paper attempts to study the development of intermediate business in the advanced countries of the world on the basis of commercial banks. Combing the development of intermediary business of commercial banks in China and combining the author's personal work experience, this paper chooses CITIC Bank as a typical commercial bank as a case study. In the end, the author puts forward some suggestions for the development of the intermediate business of commercial banks in China. The thesis is divided into five chapters. The first chapter is the introduction, which explains the author's research background and significance of the research. And the framework of the paper and research methods are described. Finally, the related concepts of intermediary business are expounded, and the importance of developing intermediate business is expounded. Chapter two. The author gives an overview of the development of intermediary business in foreign commercial banks. Firstly, the author analyzes the status quo and bright spots of intermediate business in advanced countries, and then selects the United States and the United States, Germany and France as the representatives. Analyze the policy environment of banking intermediary business in different countries. The third chapter mainly discusses the development of intermediate business of Chinese commercial banks. Firstly, it generalizes the present situation of the development of intermediate business of commercial banks in our country. Compare the development of intermediary business. Find out where the gap lies, and discuss the hot issues of domestic commercial banks intermediary business. At the same time, it analyzes the changes in the development process of commercial banks in China. 4th chapter. The author introduces the development of CITIC Bank's intermediate business in detail, including the current development situation, the overall operating situation and so on, and puts forward the corresponding development suggestions in Chapter 5th. Through the research above, the author summarizes the suggestions for the development of intermediate business in China's banks: strategically speaking, we should rely on process optimization and innovation to promote the development of key products; Subdivide customers, differential marketing, do a good job of effective customers; Optimize the innovation mechanism and focus on cultivating the innovation ability of the whole system. The specific measures include the continuous expansion of customers, strengthening the construction of support security system; Strengthen the products and management, broaden the source of income; Implement the contact person system and strengthen the organization promotion; Strengthen marketing, strengthen management, promote the sustainable development of various products.
【學(xué)位授予單位】：上海交通大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.2

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