中国农业银行中间业务发展策略研究

发布时间：2018-06-12 03:52

本文选题：中国农业银行 + 中间业务　；参考：《东北农业大学》2013年硕士论文

【摘要】：正确认识中间业务发展的重要性和采取哪些发展中间业务的有效措施是当前包括中国农业银行在内的我国商业银行函待解决的问题。近年来，我国利率市场化进程不断推进，信贷政策不断收紧，资本监管日趋严格。中国商业银行的传统业务的获利空间不断被压缩，，商业银行的业务转型已迫在眉睫，中间业务以其风险小、收益高、创新潜力大等特点，成为银行业竞争的新领域。为了实现利润最大化的经营目标，银行业渐渐把经营重心转移到了更具发展潜力的中间业务上来。中国农业银行也不例外，虽然从2010年7月上市以来农行的中间业务得到了迅速发展，但较之一些国内商业银行和西方商业银行还有一定的差距。本文以国有四大商业银行之一的中国农业银行作为主要研究对象，在中间业务发展的理论背景下，以银行中间业务的含义和种类及其特点为理论依据，分析当前中国农业银行在发展中间业务存在的问题，虽然近两年发展迅速，但中间业务占经营收入的占比仍显不足，存在中间业务品种少，发展速度不均衡；中间业务技术水平不高；专业人才及科技支撑力度不够；产品定价流程不灵活等亟需解决的问题，之后从影响中国农业银行中间业务发展的因素来着手，寻找适合中国农业银行中间业务发展其中间业务策略，本文从六方面对影响农业银行中间业务发展的因素进行理论分析，包括经济发展水平、农业银行客户储蓄水平、农业银行的资产经营规模、农业银行的资产利用效果、农业银行的资产结构比例和金融监管机构对中间业务的政策，并根据这六方面因素进行参数选择，建立多元回归计量模型进行实证分析，输出结果表明：农业银行中间业务收入与其经营资产规模（总资产对数）和客户储蓄水平（存款总资产占比）成显著的正相关关系，与资产结构比例（贷款总资产占比）成负相关关系，与资产收益率ROA及GDP的关系不显著，金融监管机构对中间业务的政策越宽松越利于中间业务的发展。之后，借鉴西方发达国家在发展中间业务方面的经验；借鉴国有其它银行在发展中间业务方面的经验，在此基础上提出了中国银行发展其中间业务可行性对策及建议，首先提出一些基本经营理念的转变，之后又提出一些基本的发展策略，包括：重视中间业务技术的开发与应用、完善人才培训及培养机制、完善定价管理、树立现代市场营销观念。
[Abstract]:To correctly understand the importance of the development of intermediate business and what effective measures should be taken to develop intermediate business are the problems to be solved by the commercial banks in China including the Agricultural Bank of China at present. In recent years, China's interest rate marketization process continues to advance, credit policies continue to tighten, capital supervision is becoming more and more stringent. The profit space of the traditional business of the Chinese commercial bank is being compressed continuously, the business transformation of the commercial bank is already imminent, the intermediate business becomes the new field of the banking competition because of its characteristics of small risk, high profit, great innovation potential and so on. In order to achieve the goal of profit maximization, the banking industry has gradually shifted its focus to more potential intermediary business. The Agricultural Bank of China is no exception, although Agricultural Bank of China's intermediary business has developed rapidly since it went public in July 2010. However, there is still a certain gap between some domestic commercial banks and western commercial banks. This paper takes the Agricultural Bank of China, one of the four state-owned commercial banks, as the main research object, under the theoretical background of the development of intermediate business. Based on the theoretical basis of the definition, types and characteristics of the intermediate business of the bank, this paper analyzes the problems existing in the development of the intermediate business of the Agricultural Bank of China at present. Although it has developed rapidly in the past two years, the proportion of the intermediate business in the operating income is still insufficient. There are some problems that need to be solved, such as few kinds of intermediate business, uneven development speed, low technical level of intermediate business, insufficient support for professionals and science and technology, inflexible pricing process of products, etc. Then from the impact of the development of agricultural bank of China intermediary business factors to start to find suitable for agricultural bank of China intermediary business development of its intermediary business strategy, this paper from six aspects of the impact of agricultural bank intermediate business development factors theoretical analysis. Including the level of economic development, the level of customer savings of the Agricultural Bank of China, the scale of the assets of the Bank of Agriculture, the effect of the utilization of the assets of the Bank of Agriculture, the proportion of the assets structure of the Bank of Agriculture and the policies of the financial regulators on the intermediary business, And according to these six factors to select the parameters, the establishment of multiple regression econometric model for empirical analysis, The output results show that there is a significant positive correlation between the intermediate business income of Agricultural Bank and the scale of assets (logarithm of total assets) and the level of customer savings (the proportion of total assets in deposits). The relationship between ROA and GDP is not significant. The looser the policy on intermediary business is, the more favorable it is to the development of intermediate business. After that, we draw lessons from the experience of western developed countries in developing intermediate business, and draw lessons from the experience of other state-owned banks in developing intermediate business, and then put forward the feasible countermeasures and suggestions for the Bank of China to develop its intermediate business. First of all, the paper puts forward some changes of basic management concepts, and then puts forward some basic development strategies, including: attaching importance to the development and application of intermediate business technology, perfecting personnel training and training mechanism, and perfecting pricing management. Set up modern marketing concept.
【学位授予单位】：东北农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

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