XX银行零售业务转型研究

发布时间：2018-01-07 21:43

本文关键词：XX银行零售业务转型研究　出处：《云南大学》2016年硕士论文　论文类型：学位论文

【摘要】：随着经济全球化的发展和人们对个性化金融服务需求的增加,商业银行零售业务正逐步向着自动化、网络信息化、人性化的方面发展,该业务在商业银行中利润创造比例大幅度上升,在商业银行中的地位和作用也日益凸显。随着人民收入水平的不断提高,个人财富随之增加,商业银行零售业务的需求旺盛,各商业银行均把零售业务作为银行业务发展的战略重点,纷纷推进零售业务转型工作。本文首先阐述了企业战略管理理论和商业银行战略管理理论,对商业银行零售业务转型的研究现状做了文献综述；其次分析了目前我国商业银行零售业务的发展现状,基于波特五力模型阐述了商业银行零售业务转型的重要性,并借鉴国内商业银行零售业务发展的优秀经验；然后笔者以XX银行为例,分析其零售业务的现状,基于SWOT分析阐述了其零售业务转型战略选择,对其转型方案展开具体研究；最后总结了XX银行零售业务转型实施中的需要注意的风险控制措施。通过本文的研究,笔者期望能够帮助XX银行在零售业务方面实现更精准的定位,明确零售业务转型的重点工作,同时也注意转型过程中的风险控制,探索出—条适合自身实际情况的零售业务发展道路,以提升核心竞争力和可持续发展能力。
[Abstract]:With the development of economic globalization and the increasing demand for personalized financial services, the retail business of commercial banks is gradually developing towards automation, network information, and humanization. The proportion of profit creation in commercial banks has increased significantly, and the status and role of the business in commercial banks have become increasingly prominent. With the continuous improvement of people's income level, personal wealth has increased. The demand of commercial bank retail business is exuberant, each commercial bank takes retail business as the strategic focus of bank business development. Firstly, this paper expounds the theory of strategic management of enterprises and the theory of strategic management of commercial banks, and makes a literature review on the research status of retail business transformation of commercial banks. Secondly, it analyzes the present development situation of retail business of commercial banks in China, expounds the importance of the transformation of retail business of commercial banks based on Porter's five-force model, and draws lessons from the excellent experience of the development of retail business of domestic commercial banks. Then the author takes XX Bank as an example, analyzes the current situation of its retail business, based on the SWOT analysis of its retail business transformation strategy choice, to carry out a specific study of its transformation scheme; Finally summarizes the XX Bank retail business transformation implementation of the need to pay attention to risk control measures. Through this study, I hope to help XX Bank in retail business to achieve a more accurate positioning. At the same time, we should pay attention to the risk control in the process of retail business transformation, and explore a way of retail business development suitable for our own actual situation, in order to enhance the core competitiveness and sustainable development ability.
【学位授予单位】：云南大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.2

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