H银行个人理财业务经营战略研究

发布时间：2018-04-11 02:10

本文选题：个人理财 + 商业银行　；参考：《黑龙江大学》2016年硕士论文

【摘要】：随着我国金融改革的不断深入,商业银行间的竞争日益激烈,特别是电子商务的迅猛发展促进了第三方支付平台快速兴起与发展,从而也加剧了国内商业银行间的竞争。然而,商业银行的传统业务及利润来源也在逐渐发生结构性变化。在商业银行的传统业务中,存贷利差属于较典型的代表,但是近年来存贷利差渐渐缩小,导致银行收益增幅下滑。同时,金融中介机构的发展和资本市场的成熟,给企业提供了更加广阔的融资渠道,进一步冲击着商业银行的存贷业务,也压缩着商业银行的利润增长空间。为此,对于我国商业银行而言,如何在日益激烈的市场竞争中取得和保持竞争优势,是一个迫切需要面对和解决的问题。从业务创新角度看,商业银行必须坚持转变经营理念,勇于探索,积极转变零售业务功能,大力发展中间业务,为保持高速增长增加新增长点。H银行是近年来崛起于中国东北地区的一家新兴股份制商业银行,经过多年发展,通过不断深化改革,开拓创新,防范和化解风险,提高资产质量,打造核心竞争力,走上了持续、健康、快速发展轨道,在当今金融市场上已占据重要地位。但是,对于个人理财业务而言,仍存在理财产品质量不高、销售门槛较高、宣传推广不到位以及经营目标比较单一等问题。鉴于此,本文以商业银行的个人理财业务为研究对象,将H银行作为案例进行分析,在深入剖析存在问题的基础上,提出了个人理财产品经营的战略,并制定了相关保障措施,对国内其他商业银行开展个人理财业务具有积极的借鉴意义和参考价值。
[Abstract]:With the deepening of financial reform in China, the competition among commercial banks is becoming increasingly fierce, especially the rapid development of electronic commerce to promote the third party payment platform for rapid rise and development, which also intensified the competition among the domestic commercial banks. However, the traditional commercial banking business and profit sources are gradually undergoing structural changes. In the traditional business of the commercial bank, deposit interest belongs to the typical representative, but in recent years the loan spreads gradually narrowed, causing the bank earnings growth decline. At the same time, the development of financial intermediaries and capital markets mature, to provide a broader financing channels for enterprises, further impact on commercial bank loan business, but also compression a commercial bank profit growth. Therefore, for China's commercial banks, how to obtain and maintain a competitive advantage in the increasingly fierce competition in the market, is a An urgent need to face and solve problems. From the perspective of business innovation, commercial banks must change the management idea, the courage to explore the positive transformation of the retail business, vigorously develop intermediary business, to maintain rapid growth increase the new growth point of bank.H is the rise in recent years in the northeast region of China an emerging joint-stock commercial banks. After years of development, innovation through deepening reform, constantly, prevent and reduce risk, improve asset quality, build the core competitiveness, sustained, healthy and rapid development track, has played an important role in today's financial market. However, for personal financial services, financial products are still not high quality sales. The higher threshold, the promotion is not in place and the management goal is single. In view of this, this paper studies on the image to the personal financial services of commercial bank, H bank as a case Based on the in-depth analysis of the existing problems, this paper puts forward the strategy of personal financial product management, and develops relevant safeguard measures, which has a positive reference and reference value for other domestic commercial banks to develop personal financial services.

【学位授予单位】：黑龙江大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.2

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