本文選題：丈化產(chǎn)業(yè)　切入點：銀行融資業(yè)務(wù)　出處：《西北大學(xué)》2013年碩士論文

【摘要】：在全球文化產(chǎn)業(yè)快速發(fā)展的背景下,美、日、韓等文化強國的銀行業(yè)支持文化產(chǎn)業(yè)發(fā)展,已具有成熟的業(yè)務(wù)模式。九部委一系列金融政策的出臺,國內(nèi)眾多銀行紛紛進(jìn)行金融創(chuàng)新,試水文化產(chǎn)業(yè)市場。IC陜西分行作為國有大型商業(yè)銀行,在面對新興市場的金融需求時,顯露出信貸手段單一、形式傳統(tǒng)、融資業(yè)務(wù)模式缺乏行業(yè)針對性的特點,自身客戶結(jié)構(gòu)和信貸業(yè)務(wù)亟待優(yōu)化。 本文以IC陜西分行針對文化產(chǎn)業(yè)客戶融資業(yè)務(wù)為研究對象,采用綜合分析法、案例分析法、調(diào)查法等方法,闡述了銀行信貸的相關(guān)理論、特征并對此進(jìn)行分析。通過對IC陜西分行的實際調(diào)查,運用SWOT分析法對IC陜西分行信貸結(jié)構(gòu)、市場占有、業(yè)務(wù)流程、發(fā)展模式等進(jìn)行分析,剖析出信貸業(yè)務(wù)流程設(shè)計缺乏針對性、風(fēng)險控制與業(yè)務(wù)發(fā)展缺乏平衡、產(chǎn)品創(chuàng)新能力不足、針對特點行業(yè)的專業(yè)化營銷能力不足等深層次因素。進(jìn)而梳理整合現(xiàn)有信貸業(yè)務(wù)流程作為優(yōu)化的基礎(chǔ),針對融資業(yè)務(wù)進(jìn)行流程再造,以專業(yè)化經(jīng)營和信貸產(chǎn)品的創(chuàng)新作為優(yōu)化的實現(xiàn)方式,以開辟新興市場、優(yōu)化信貸結(jié)構(gòu)、穩(wěn)固客戶基礎(chǔ)、打造核心競爭力為實現(xiàn)目標(biāo),設(shè)計出針對IC陜西分行的融資業(yè)務(wù)優(yōu)化方案。最后,本文為保障優(yōu)化方案的順利實施,從觀念、專業(yè)人才、品牌推廣各方面入手提出科學(xué)、具有針對性和可操作性的的保障措施。 本文的問題分析、研究結(jié)論對IC陜西分行,乃至中國商業(yè)銀行界具有重要的實際意義。
[Abstract]:In the context of the rapid development of global cultural industry, the banking industry of the United States, Japan, South Korea and other cultural powers has a mature business model to support the development of cultural industry.With the introduction of a series of financial policies by nine ministries and commissions, many domestic banks have carried out financial innovation. As a large state-owned commercial bank, the Shaanxi branch of the water culture industry market, as a large state-owned commercial bank, has revealed a single means of credit in the face of the financial needs of emerging markets.Form tradition, financing business mode lacks the characteristic of industry pertinence, oneself customer structure and credit business need to be optimized urgently.This paper takes IC Shaanxi Branch as the research object, uses the comprehensive analysis method, the case analysis method, the investigation method and so on, elaborated the bank credit correlation theory, the characteristic and carries on the analysis to this.Through the actual investigation of IC Shaanxi Branch and the analysis of the credit structure, market possession, business process and development mode of IC Shaanxi Branch by using SWOT analysis method, the paper analyzes the lack of pertinence in the design of credit business process.There is a lack of balance between risk control and business development, a lack of product innovation ability, and a lack of specialized marketing ability in specific industries.Then combing and integrating the existing credit business process as the basis of optimization, aiming at financing business process reengineering, taking the specialized management and the innovation of credit products as the optimized realization way, in order to open up the emerging market, optimize the credit structure,To stabilize customer base and build core competence to achieve the goal, the optimization scheme of financing business for IC Shaanxi Branch is designed.Finally, in order to ensure the smooth implementation of the optimization scheme, this paper puts forward scientific, targeted and operable safeguard measures from the aspects of concept, professional personnel and brand promotion.The problem analysis and conclusion of this paper are of great practical significance to IC Shaanxi Branch and even to China's commercial banks.
【學(xué)位授予單位】：西北大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.4;G124

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本文編號：1704769