本文選題：商業(yè)銀行　切入點(diǎn)：對公信貸　出處：《云南大學(xué)》2014年碩士論文

【摘要】：目前,國內(nèi)金融市場發(fā)展迅速,大量企業(yè)通過發(fā)行股票和企業(yè)債券等方式進(jìn)行融資,它們的融資渠道在不斷拓寬�！敖鹑诿撁健爆F(xiàn)象日漸突出,企業(yè)對銀行的貢獻(xiàn)度在逐步下降,致使銀行對公信貸業(yè)務(wù)盈利空間減小。 近年來,云南省內(nèi)各商業(yè)銀行為了適應(yīng)市場需求,提升市場核心競爭力,不斷進(jìn)行金融創(chuàng)新,紛紛推出新型對公信貸產(chǎn)品。同時(shí),省內(nèi)股份制商業(yè)銀行不斷崛起和一批外資銀行的涌入,讓云南省商業(yè)銀行格局發(fā)生了改變,對公信貸業(yè)務(wù)市場的競爭也愈發(fā)激烈。因此,每個(gè)商業(yè)銀行要在對公信貸業(yè)務(wù)市場競爭中立足,都面臨著對公信貸業(yè)務(wù)市場開拓的問題。 本文以B銀行云南省分行為例,對其對公信貸業(yè)務(wù)市場開拓進(jìn)行研究。隨著宏觀政策、經(jīng)營環(huán)境、監(jiān)管要求等的變化,B銀行云南省分行突顯出對公信貸業(yè)務(wù)方面的諸多不足,比如：客戶結(jié)構(gòu)不合理、信貸產(chǎn)品集中度過高、缺乏市場開拓專業(yè)人才等等。為有效地管理風(fēng)險(xiǎn)、更好地在“十二五”期間實(shí)現(xiàn)對公信貸業(yè)務(wù)的健康快速發(fā)展,本文從B銀行云南分行對公信貸業(yè)務(wù)現(xiàn)狀與存在問題著手,分析B銀行云南分行對公信貸業(yè)務(wù)的市場環(huán)境及制約因素,針對存在問題及制約因素,探索開拓和優(yōu)化B銀行云南省分行對公信貸業(yè)務(wù)的策略及措施。 本文旨在對B銀行云南分行對公信貸業(yè)務(wù)開拓進(jìn)行研究,提出符合B銀行云南分行現(xiàn)狀,且具有可操作性的建議和策略。這些策略和建議若能被該銀行采納,希望能幫助B銀行云南分行開拓其對公信貸業(yè)務(wù),提升該銀行在信貸市場中的競爭力,從而使B銀行云南分行達(dá)到獲取更大經(jīng)濟(jì)利潤的目的,能為云南經(jīng)濟(jì)繁榮發(fā)展盡到微薄之力。
[Abstract]:At present, with the rapid development of domestic financial markets, a large number of enterprises are financing by issuing stocks and corporate bonds. Their financing channels are continuously broadened. The phenomenon of "financial disintermediation" is becoming increasingly prominent, and the contribution of enterprises to banks is gradually declining. Cause the bank to the public credit business profit space reduces. In recent years, in order to meet the needs of the market, enhance the core competitiveness of the market and continuously carry out financial innovation, commercial banks in Yunnan Province have introduced new types of credit products to the public. At the same time, With the rising of joint-stock commercial banks and the influx of foreign banks in Yunnan Province, the pattern of commercial banks in Yunnan Province has changed, and the competition for the public credit business market has become increasingly fierce. Every commercial bank wants to base itself in the market competition of public credit business, it is faced with the problem of opening up the market of public credit business. This paper takes the Yunnan Branch of Bank B as an example to study the development of public credit business market. With the change of macro policy, business environment, supervision requirements and so on, the Yunnan Branch of B Bank has highlighted many shortcomings in the business of public credit. For example, the customer structure is unreasonable, the concentration of credit products is too high, and there is a lack of market development professionals, etc. In order to effectively manage risks, we can better realize the healthy and rapid development of public credit business during the 12th Five-Year Plan period. This paper begins with the present situation and existing problems of Yunnan Branch of B Bank, analyzes the market environment and restrictive factors of B Bank Yunnan Branch on public credit business, aiming at the existing problems and restricting factors. To explore and optimize the B Bank Yunnan Branch to the public credit business strategy and measures. The purpose of this paper is to study the development of public credit business in Yunnan Branch of Bank B, and put forward some feasible suggestions and strategies according to the present situation of Yunnan Branch of Bank B. if these strategies and suggestions can be adopted by the bank, It is hoped that it will help the Yunnan Branch of Bank B to expand its public credit business and enhance the competitiveness of the bank in the credit market, thereby enabling the Yunnan Branch of Bank B to achieve greater economic profits. Yunnan can contribute to economic prosperity and development to a modest extent.
【學(xué)位授予單位】：云南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.4

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