包商银行个人金融业务发展战略研究

发布时间：2018-06-06 14:40

本文选题：包商银行 + 个人金融业务　；参考：《内蒙古大学》2013年硕士论文

【摘要】：在金融全球化和中国转变经济发展方式的背景下,国民收入及个人财富积累发生了翻天覆地的变化,个人金融资产呈多元化发展趋势,银行间的竞争日趋激烈。各商业银行为紧跟市场步伐,巩固自身核心竞争力,纷纷加快业务转型步伐,发展个人金融业务亦是大势所趋,形势所迫。本文从个人金融业务的概念入手,通过阐明论文的研究背景、目的和意义,从经济社会发展的客观趋势与银行自身发展的主观需求两个方面,着重指出：包商银行大力发展个人金融业务,探索科学明晰的业务发展战略是顺应国际金融业发展潮流,适应市场竞争需要,提高全行核心竞争力的必然选择。本文在对现有文献和理论进行梳理的基础上,选取国内外同业中个人金融业务发展较好的四家银行作为参考样本,对其个人金融发展现状及战略举措进行剖析、总结、借鉴,结合包商银行的现状,引用SWOT分析法,通过对其宏观环境、行业环境、资源条件、能力条件、机遇与威胁、优势与劣势的分析,提出了包商银行个人金融业务差异化的发展战略及具体实施措施,为实现包商银行个人金融业务全面金融服务集成商的战略愿景提供了有意义的参考。
[Abstract]:Under the background of financial globalization and the transformation of economic development mode in China, national income and personal wealth accumulation have undergone earth-shaking changes, personal financial assets show a diversified development trend, and the competition between banks is becoming increasingly fierce. In order to keep pace with the market, consolidate their core competitiveness, accelerate the pace of business transformation, the development of personal financial business is also the trend of the times, the situation is forced. This paper begins with the concept of personal financial business, through clarifying the research background, purpose and significance of the paper, from the objective trend of economic and social development and the subjective needs of the bank's own development. It is pointed out emphatically that it is an inevitable choice for the contractor bank to develop personal financial business and explore scientific and clear business development strategy to conform to the trend of international financial industry to meet the needs of market competition and to improve the core competitiveness of the bank. On the basis of combing the existing literature and theory, this paper selects four domestic and foreign banks with good personal financial business development as reference samples, analyzes the current situation and strategic measures of their personal financial development, summarizes and draws lessons from them. Combined with the current situation of the contractor bank, this paper uses SWOT analysis method to analyze its macro environment, industry environment, resource condition, ability condition, opportunity and threat, advantage and disadvantage. This paper puts forward the development strategy and concrete implementation measures of the differentiation of individual financial business of the contractor bank, which provides a meaningful reference for realizing the strategic vision of the comprehensive financial service integrator of the individual financial business of the contractor bank.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33;F832.2;F272

【参考文献】