本文關(guān)鍵詞：NJ銀行零售業(yè)務(wù)發(fā)展策略研究　出處：《廣西師范大學》2017年碩士論文　論文類型：學位論文

  更多相關(guān)文章： 商業(yè)銀行 零售業(yè)務(wù) 發(fā)展策略

【摘要】：隨著新經(jīng)濟時代的到來,我國經(jīng)濟逐漸由傳統(tǒng)經(jīng)濟向新經(jīng)濟產(chǎn)業(yè)轉(zhuǎn)型。經(jīng)濟轉(zhuǎn)型是一個國家發(fā)展經(jīng)濟過程的一個不可或缺的環(huán)節(jié),經(jīng)濟轉(zhuǎn)型主要實現(xiàn)經(jīng)濟體制的更新與發(fā)展,逐漸完善經(jīng)濟結(jié)構(gòu)的同時更換相應(yīng)的產(chǎn)業(yè)結(jié)構(gòu),銀行產(chǎn)業(yè)作為傳統(tǒng)經(jīng)濟以及新興經(jīng)濟中的支柱產(chǎn)業(yè),在產(chǎn)業(yè)結(jié)構(gòu)中有著不可忽視的重要作用。隨著經(jīng)濟的逐漸發(fā)展,零售銀行業(yè)務(wù)已經(jīng)成為了構(gòu)成銀行產(chǎn)業(yè)收入的一個重要來源。對于銀行產(chǎn)業(yè)來說,其如今已經(jīng)涉及多個領(lǐng)域,而只有零售業(yè)務(wù)才能夠使得銀行的拓展業(yè)務(wù)變得更加寬泛。零售銀行有著非常強的交叉性和互補性,其具有服務(wù)對象分散、單筆業(yè)務(wù)金額有限、業(yè)務(wù)龐大的特點,對于現(xiàn)今的銀行產(chǎn)業(yè)鏈來說,零售業(yè)務(wù)的中間業(yè)務(wù),已是銀行收入來源的主要組成部分,而零售業(yè)務(wù)因其涉獵方面十分廣泛,為自身銀行帶來的除了客觀的利潤之外,更為重要的是其使用量,巨大的用戶使用量為其帶來的是其主推業(yè)務(wù)的認知度,這對于一個商業(yè)銀行來說是十分重要的,只有建立在一定的用戶群的基礎(chǔ)上,銀行的業(yè)務(wù)發(fā)展才會有持久發(fā)展的動力。本文在研究國內(nèi)外相關(guān)文獻的基礎(chǔ)上,闡述了商業(yè)銀行零售業(yè)務(wù)的相關(guān)理論,運用文獻研究、實地調(diào)查研究等方法,以及PEST分析法和五力模型分析工具,分析我國商業(yè)銀行零售業(yè)務(wù)發(fā)展的外部環(huán)境,同時借助于對于我國銀行市場經(jīng)濟的發(fā)展趨勢的調(diào)查,結(jié)合國際形勢以及新經(jīng)濟時代的發(fā)展趨勢,針對我國商業(yè)銀行面對的宏觀環(huán)境和行業(yè)環(huán)境兩個背景,以NJ銀行零售業(yè)務(wù)具體數(shù)據(jù)展開分析其零售業(yè)務(wù)發(fā)展的現(xiàn)狀,找出其發(fā)展過程中存在的問題,主要的問題有:缺乏推動零售業(yè)務(wù)發(fā)展的理論知識;主流金融產(chǎn)品缺乏針對性和創(chuàng)新性;營銷業(yè)務(wù)和推廣業(yè)務(wù)能力較差;制度規(guī)范缺失;監(jiān)管力度薄弱;主要渠道仍是柜臺業(yè)務(wù);信息化發(fā)展滯后;零售業(yè)務(wù)認識不足,機構(gòu)不完善;技術(shù)手段相對落后等七方面的問題。在此基礎(chǔ)上,提出了精細商業(yè)銀行零售業(yè)務(wù)市場銷售流程;提高銀行零售業(yè)務(wù)產(chǎn)品的創(chuàng)新意識;強化品牌建設(shè),建設(shè)特色零售業(yè)務(wù)品牌;強化理財人員隊伍建設(shè),提供從業(yè)人員的整體素質(zhì);大力發(fā)展互聯(lián)網(wǎng)業(yè)務(wù);加強理財培訓制度的建設(shè);增強客戶風險預(yù)防管理能力等加強商業(yè)銀行零售業(yè)務(wù)發(fā)展的對策建議。最后,總結(jié)本文的研究結(jié)論和展望。
[Abstract]:With the advent of new economy era, China's economy gradually from the traditional economy to the new economic transformation. Economic transformation is an integral part of a national economic development process, economic transformation mainly realizes the renewal and development of economic system, gradually improve the economic structure and change the corresponding industrial structure, the banking industry as a pillar industry the traditional economy and emerging economy, has an important role in the industrial structure. With the gradual development of economy, the retail banking business has become the constitute an important source of income. The banking industry for the banking industry, which now involves a number of areas, but only to be able to make the bank retail business the business has become more broad. Retail banks have a very strong cross and complement each other, its service object scattered, single transaction amount limited, The characteristics of huge business, for the banking industry chain, the intermediate business of retail business, already is a major component of income in bank, while the retail business because of its range aspect is very extensive, for its banks in addition to profit, is more important is its usage, huge amount of users is brought to its awareness of its main business, it is very important for a commercial bank, only based on a certain group of users on the business development bank will have the power of sustainable development. Based on the study of the related literature at home and abroad, related theories of the retail business of commercial the bank, the use of literature research, investigation method, and PEST analysis and five forces model analysis tools, analysis the development of retail business of commercial banks in China's external environment, at the same time, with the help of The survey for the development trend of the market economy of our country bank, combined with the development trend of the international situation and the new economic era, the macro environment of China's commercial banks face the industry environment and the two background, to NJ retail banking business development status of the specific data of its retail business analysis, find out the problems in the development process., main problems are: lack of theoretical knowledge, promote the development of the retail business; mainstream financial products lack of pertinence and innovation; marketing and promotion ability is poor; lack of standardized system; weak supervision; the main channel is still lagging behind the development of the information service counter; retail business; lack of understanding, the organization is not perfect; technology is relatively backward the seven aspects of the problem. Based on this, puts forward the fine commercial bank retail business market sales process; improve the retail business of bank product innovation consciousness The construction of characteristic; strengthen brand building, brand retail business; to strengthen the construction of financial management personnel, to provide the overall quality of employees; vigorously develop the Internet business; to strengthen the construction of financial management training system; enhance customer risk management ability of countermeasures and suggestions to enhance the retail business development of the commercial banks. Finally, the research conclusion and prospect are summarized in this paper.

【學位授予單位】：廣西師范大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.2

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本文編號：1400284