江苏银行零售业务竞争力提升策略研究

发布时间：2018-06-09 02:45

本文选题：江苏银行 + 零售业务　；参考：《华中科技大学》2013年硕士论文

【摘要】：随着我国经济的快速发展、金融体制改革的不断深入和居民收入的不断增加，居民对银行金融服务的需求也日趋多元化，商业银行零售业务进入了快速发展阶段。伴随着电子信息技术在商业银行中的广泛应用，商业银行发展零售业务具有良好的机遇和巨大的发展空间。相对于传统的银行业务，银行零售业务因其在发展过程中具有风险分散、资本消耗低、客户稳定性强、市场空间广阔等众多独特优势，已本文通过梳理国内外学者对银行发展零售业务的理论研究成果，概括了银行零售业务的概念、内涵、种类、特点、产生基础以及发展趋势，，分析银行零售业务在商业银行利润创造过程中的地位，探讨商业银行发展零售业务对商业银行资产流动性、风险大小、盈利模式等方面的影响。在此基础上，本文结合江苏银行的发展现状和内外部环境，对江苏银行发展零售业务进行了SWOT分析，探讨江苏银行发展零售业务的优势、劣势、机遇和挑战，并从我国商业银行体制、金融监管体制、市场结构和法律法规等多个方面分析江苏银行发展零售业务的困难和障碍。针对江苏银行发展零售业务的现状分析和SWOT分析的结果，借鉴国内外商业银行发展零售业务的经验教训，从SO策略分析、WO策略分析、ST策略分析以及WT策略分析四个角度对江苏银行提升零售业务竞争力的策略进行了设计。进而提出具体实施措施从而为江苏银行发展零售业务，提升零售业务竞争力提供了工作思路和针对性的政策建议。
[Abstract]:With the rapid development of China's economy, the deepening of financial system reform and the increasing of residents' income, the demand for banking financial services is becoming more and more diversified, and the retail business of commercial banks has entered a stage of rapid development. With the wide application of electronic information technology in commercial banks, commercial banks have a good opportunity and huge development space to develop retail business. Compared with the traditional banking business, banking retail business has many unique advantages, such as dispersed risk, low capital consumption, strong customer stability, broad market space and so on. This paper has summarized the concept, connotation, category, characteristics, foundation and development trend of the banking retail business by combing the theoretical research results of the domestic and foreign scholars on the development of the retail business. This paper analyzes the position of bank retail business in the process of commercial bank profit creation, and probes into the influence of the development of commercial bank retail business on commercial bank asset liquidity, risk size, profit model and so on. On this basis, this paper analyzes the development of retail business of Jiangsu Bank by SWOT, and discusses the advantages, disadvantages, opportunities and challenges of the development of retail business of Jiangsu Bank, combined with the current development situation and internal and external environment of Jiangsu Bank. It also analyzes the difficulties and obstacles of Jiangsu Bank in developing retail business from the aspects of commercial bank system, financial supervision system, market structure and laws and regulations. Based on the analysis of the present situation of Jiangsu Bank's retail business development and the result of SWOT analysis, this paper draws lessons from the domestic and foreign commercial banks' experience in the development of retail business. This paper designs the strategies of Jiangsu Bank to enhance the competitiveness of retail business from four angles: so strategy analysis, WO strategy analysis, St strategy analysis and WT strategy analysis. Furthermore, the concrete implementation measures are put forward so as to provide the working train of thought and targeted policy recommendations for Jiangsu Bank to develop retail business and enhance the competitiveness of retail business.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F271;F832.2

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