興業(yè)SH分行零售業(yè)務發(fā)展策略研究
發(fā)布時間：2018-10-26 09:57
【摘要】：伴隨著中國經(jīng)濟的持續(xù)高速增長,中國的銀行業(yè)規(guī)�？焖贁U張。以2015年底資產(chǎn)總額計算目前世界前10大銀行中中國獨占四席,其中工商銀行高居榜首。G20的金融穩(wěn)定委員會發(fā)布的“系統(tǒng)性重要銀行”名單也將工農(nóng)中建列入其中。從2008年金融危機爆發(fā)已經(jīng)8年,世界經(jīng)濟仍未走出危機,全球范圍內(nèi)的經(jīng)濟出現(xiàn)再次調(diào)整趨勢。以發(fā)達國家為首的經(jīng)濟體呈現(xiàn)不穩(wěn)定的狀態(tài),發(fā)展中國家總體羸弱。中國的經(jīng)濟發(fā)展開始減速,逐步進入“中高速”發(fā)展的經(jīng)濟“新常態(tài)”。中國商業(yè)銀行資產(chǎn)、負債同比下降,資產(chǎn)、負債、貸款、存款等規(guī)模增速中樞顯著下移,信貸量、儲蓄量雙降。為了有效應對經(jīng)濟新常態(tài)、金融業(yè)全面開放和信息技術的沖擊,銀行零售業(yè)務的戰(zhàn)略重要性日益凸顯。興業(yè)銀行總行雖然提出了“一體兩翼”的發(fā)展戰(zhàn)略,但并未對零售業(yè)務提出獨立、清晰的發(fā)展策略。本文從興業(yè)銀行SH分行的實際情況出發(fā),重點研究了商業(yè)銀行零售業(yè)務的發(fā)展環(huán)境、發(fā)展策略和對策措施。本文首先介紹了研究背景、目的和意義,接著以SWOT分析模型結合銀行零售業(yè)務的實際情況,提出了分析銀行零售業(yè)務發(fā)展策略的內(nèi)、外部環(huán)境因素,并分析了興業(yè)銀行SH分行的零售業(yè)務所處的內(nèi)、外部環(huán)境,然后根據(jù)SWOT分析的結果進行了發(fā)展策略定位,最后提出了興業(yè)銀行SH分行零售業(yè)務發(fā)展具體策略和對策措施。本文研究認為,綜合興業(yè)銀行SH分行零售業(yè)務發(fā)展所面臨的經(jīng)濟新常態(tài)、行業(yè)相對水平和行業(yè)發(fā)展趨勢,興業(yè)銀行SH分行應當采用“謹慎進入”策略,以興業(yè)銀行總行的“一體兩翼”總體戰(zhàn)略為基調(diào),明確零售業(yè)務發(fā)展的定位,整合“傳統(tǒng)業(yè)務”和“資產(chǎn)管理業(yè)務”的產(chǎn)品、資源和渠道,實施“低成本、差異化”的發(fā)展策略,著力打造“輕型化、人性化、科技化”的銀行零售業(yè)務,并聚焦創(chuàng)新產(chǎn)品、整合渠道、深耕客戶、提升效率、團隊建設、加強風控等七項舉措來推動零售業(yè)務的發(fā)展策略。
[Abstract]:With the rapid growth of China's economy, China's banking sector has expanded rapidly. China holds only four of the world's top 10 banks by total assets at the end of 2015, with ICBC topping the list. The G20 Financial Stability Board's list of "systemically important banks" also includes industrial and agricultural construction. Eight years after the financial crisis broke out in 2008, the world economy has not yet emerged from the crisis, and the global economy has been readjusting again. Economies led by developed countries show instability, while developing countries are generally weak. China's economic development began to slow down and gradually entered the "new normal" of the "medium-high-speed" economy. China's commercial banks' assets, liabilities, loans, deposits and other scale growth center significantly moved down, credit volume and savings both fell. In order to effectively deal with the new normal economy, the comprehensive opening of the financial industry and the impact of information technology, the strategic importance of banking retail business has become increasingly prominent. Although the head office of Societe Generale has put forward the development strategy of "one as one and two wings", it has not put forward an independent and clear development strategy for retail business. Starting from the actual situation of SH Branch of Industrial Bank, this paper focuses on the development environment, development strategies and countermeasures of retail business of commercial banks. This paper first introduces the background, purpose and significance of the research, then with the SWOT analysis model combined with the actual situation of the banking retail business, it puts forward the internal and external environmental factors of the analysis of the development strategy of the bank retail business. This paper also analyzes the internal and external environment of the retail business of SH Branch of Industrial Bank, and then, according to the results of SWOT analysis, makes the development strategy orientation, and finally puts forward the specific strategies and countermeasures for the retail business development of SH Branch of Societe Generale Bank. In this paper, the author thinks that the new normal of economy, the relative level of industry and the trend of industry development in the retail business development of Industrial Bank SH Branch, SH Branch of Industrial Bank should adopt the strategy of "prudent entry". Taking the overall strategy of "one body, two wings" of the head office of Industrial Bank as the keynote, defining the position of retail business development, integrating the products, resources and channels of "traditional business" and "asset management business", and implementing "low cost," Differentiation "development strategy, focus on" light, human, scientific and technological "banking retail business, and focus on innovative products, integration channels, deep cultivation of customers, improve efficiency, team building, Strengthen wind control and other seven measures to promote retail business development strategy.
【學位授予單位】：南昌大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.2
，
本文編號：2295351
[Abstract]:With the rapid growth of China's economy, China's banking sector has expanded rapidly. China holds only four of the world's top 10 banks by total assets at the end of 2015, with ICBC topping the list. The G20 Financial Stability Board's list of "systemically important banks" also includes industrial and agricultural construction. Eight years after the financial crisis broke out in 2008, the world economy has not yet emerged from the crisis, and the global economy has been readjusting again. Economies led by developed countries show instability, while developing countries are generally weak. China's economic development began to slow down and gradually entered the "new normal" of the "medium-high-speed" economy. China's commercial banks' assets, liabilities, loans, deposits and other scale growth center significantly moved down, credit volume and savings both fell. In order to effectively deal with the new normal economy, the comprehensive opening of the financial industry and the impact of information technology, the strategic importance of banking retail business has become increasingly prominent. Although the head office of Societe Generale has put forward the development strategy of "one as one and two wings", it has not put forward an independent and clear development strategy for retail business. Starting from the actual situation of SH Branch of Industrial Bank, this paper focuses on the development environment, development strategies and countermeasures of retail business of commercial banks. This paper first introduces the background, purpose and significance of the research, then with the SWOT analysis model combined with the actual situation of the banking retail business, it puts forward the internal and external environmental factors of the analysis of the development strategy of the bank retail business. This paper also analyzes the internal and external environment of the retail business of SH Branch of Industrial Bank, and then, according to the results of SWOT analysis, makes the development strategy orientation, and finally puts forward the specific strategies and countermeasures for the retail business development of SH Branch of Societe Generale Bank. In this paper, the author thinks that the new normal of economy, the relative level of industry and the trend of industry development in the retail business development of Industrial Bank SH Branch, SH Branch of Industrial Bank should adopt the strategy of "prudent entry". Taking the overall strategy of "one body, two wings" of the head office of Industrial Bank as the keynote, defining the position of retail business development, integrating the products, resources and channels of "traditional business" and "asset management business", and implementing "low cost," Differentiation "development strategy, focus on" light, human, scientific and technological "banking retail business, and focus on innovative products, integration channels, deep cultivation of customers, improve efficiency, team building, Strengthen wind control and other seven measures to promote retail business development strategy.
【學位授予單位】：南昌大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.2
，
本文編號：2295351
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