宁波银行个人金融业务发展策略研究

发布时间：2018-02-26 02:12

本文关键词： 银行个人金融业务 SWOT矩阵发展战略　出处：《西南交通大学》2013年硕士论文　论文类型：学位论文

【摘要】：个人金融业务是指商业银行对居民个人或家庭提供的银行及其他金融产品和金融服务的总称。我国经济超过十年的快速发展后,居民收入和生活水平持续改善和提高,而个人金融业务因其低资本消耗、批量大、低风险、品牌传播能力强、利润稳定等特点,在银行的业务中初显峥嵘。在国际上,跨国商业银行早已将个人金融业务作为经营发展和产品创新的战略重点,国内的众多商业银行也因个人金融业务的优势和特点,逐渐将个人金融业务作为提升竞争力、优化资产结构和增加利润的重要手段。对于宁波银行这一脱胎于城市信用社的城市商业银行来说,在受到跨国商业银行、国内大银行、地域、技术以及政策等因素的挑战和制约下,要积极适应变化,不断创新。在竞争日趋激烈的环境中做强、做大个人金融业务,是保证宁波银行的可持续发展和利润的稳步增长的关键。本文从对国内外商业银行个人金融业务发展的比较入手,分析了宁波银行个人金融业务发展的条件,同时指出了宁波银行个人金融业务发展存在的问题,并分析了产生问题的原因,运用SWOT矩阵分析模式,对宁波银行个人金融业务发展需面对的政治和经济环境、文化和技术环境等外环境方面存在的机会和威胁进行分析,并对自身经营管理、营销、流程、风控等内环境方面存在的优势和劣势进行分析,在借鉴其他商业银行成功经验的基础上,制定了宁波银行个人金融业务未来的发展战略。即：秉承以客户的需求为中心,以利润为导向的经营思路,以财富管理为核心,根据“客户、产品、服务、营销”四个经营节点,以先进的科技为支撑,进行流程化改造,完善经营管理和营销体系,加快个人金融业务战略性发展。本文是理论和实践有机结合的产物,运用的战略分析方法和管理理论具有一定的实用性,对其他城市商业银行个人金融业务金融发展战略的制定有一定的借鉴和参考作用。
[Abstract]:Personal financial business refers to the general term for banks and other financial products and financial services provided by commercial banks to individuals or households of residents. After more than a decade of rapid economic development in China, residents' incomes and living standards have been continuously improved and improved. Personal financial business, because of its low capital consumption, large volume, low risk, strong brand communication ability and stable profits, is emerging in the banking business. Transnational commercial banks have long regarded personal financial business as the strategic focus of business development and product innovation. Because of the advantages and characteristics of individual financial business, many domestic commercial banks have gradually taken personal financial business as a means to enhance their competitiveness. The important means of optimizing asset structure and increasing profits. For Ningbo Bank, a city commercial bank born out of urban credit cooperatives, it is under the influence of transnational commercial banks, large domestic banks, and regions. Under the challenges and constraints of technology and policies, we should actively adapt to changes, constantly innovate, strengthen in an increasingly competitive environment, and expand our personal financial business. It is the key to ensure the sustainable development of Ningbo Bank and the steady growth of profit. This paper begins with the comparison of the development of personal financial business of commercial banks at home and abroad, analyzes the conditions for the development of personal financial business of Ningbo Bank, and points out the problems existing in the development of personal financial business of Ningbo Bank. The causes of the problems are analyzed, and the opportunities and threats in the external environment, such as the political and economic environment, the cultural and technological environment and so on, are analyzed by using the SWOT matrix analysis model. And analyzes the advantages and disadvantages of the internal environment, such as management, marketing, process, risk control and so on, on the basis of the successful experience of other commercial banks, The future development strategy of Ningbo Bank's personal financial business is formulated. That is: adhering to the customer's demand as the center, taking the profit as the direction of operation, taking wealth management as the core, according to "customer, product, service," Marketing "four business nodes, supported by advanced science and technology, carry on the process transformation, perfect the management and marketing system, accelerate the strategic development of personal financial business." this article is the product of the organic combination of theory and practice. The applied strategic analysis method and management theory have certain practicability, which can be used for reference and reference to the formulation of individual financial development strategy of commercial banks in other cities.
【学位授予单位】：西南交通大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33;F832.2

【共引文献】