ZX银行零售银行业务发展战略研究

发布时间：2018-06-24 21:04

本文选题：商业银行 + 零售银行业务　；参考：《云南大学》2013年硕士论文

【摘要】：近年来,随着我国经济建设的快速发展,居民生活水平显著提高,社会财富不断增长,居民对财富管理、增值储值、投资理财的要求越发迫切,这对我国银行的零售业务发展提供了广阔的空间和前景。同时,从国际先进银行发展的经验来看,零售业务的发展也是一个成功银行能够持久、健康、稳健经营不可或缺的重要板块,国际大型银行在上世纪70年代后普遍加快了零售银行业务发展的步伐,近年来零售银行业务已成为其利润来源的主体,如花旗银行、美洲银行、德意志银行等国家先进银行,其零售利润占比均超过50%。另一方面,从我国银行业的发展来讲,零售银行业务也是转型调整的必然选择,次贷风暴和金融危机以后,新巴塞尔协议的出台和我国资本新政的实施,对银行的资本监管更加严格,对银行的经营管理产生了深远影响,我国银行依靠简单的规模增长和信贷投放获取利益的发展模式已不可持续,转型和深化管理成为必然出路,零售银行业务将成为国内各商业银行的必争之地,因此,做好股份制商业零售银行业务成为其战略转型的重要一步。本文作者在参阅了大量关于国内外银行零售银行业务发展的资料和书籍的基础上,采用了文献研究法、定性研究法、定量分析法、经验总结法等多种研究方法分析了国内外银行零售业务的发展现状,进一步分析了我国商业银行发展零售银行业务面临的机遇和挑战,提出了银行发展零售银行业务的必要性。同时重点分析了ZX银行零售银行业务的发展情况,零售银行业务发展中面临的问题,提出了发展零售银行业务发展的战略和对策措施,从而有助于ZX银行下一零售银行业务战略的实施,有助于推动ZX银行零售银行业务的发展,提高在零售你行业务领域的竞争能力和市场份额,并为我国消费金融的发展提供有益研究。
[Abstract]:In recent years, with the rapid development of China's economic construction, the standard of living of the residents has improved significantly, the social wealth has been continuously growing, and the requirements of the residents for wealth management, value-added storage, investment and financial management are becoming more and more urgent. This provides broad space and prospect for the retail business development of Chinese banks. At the same time, judging from the experience of the development of international advanced banks, the development of retail business is also an indispensable and important sector for successful banks to operate in a sustainable, healthy and sound manner. Since the 1970s, international large banks have generally accelerated the pace of the development of retail banking business. In recent years, retail banking business has become the main source of their profits, such as Citibank, Bank of America, Deutsche Bank and other advanced banks in countries. Its retail profits account for more than 50 percent. On the other hand, from the development of our banking industry, retail banking is also an inevitable choice for the transformation and adjustment. After the subprime mortgage storm and the financial crisis, the introduction of the New Basel Accord and the implementation of the New deal on Capital in China. The capital supervision of the banks is more strict and has a far-reaching impact on the management of the banks. The development model of the banks relying on simple scale growth and credit to obtain benefits has become unsustainable, so the transformation and deepening of management have become the inevitable way out. Retail banking business will become a necessary place for all commercial banks in China, so doing well the joint-stock commercial retail banking business has become an important step in its strategic transformation. On the basis of reading a great deal of information and books about the development of retail banking business at home and abroad, the author adopts the methods of literature research, qualitative research and quantitative analysis. This paper analyzes the present situation of domestic and international banking retail business, analyzes the opportunities and challenges faced by commercial banks in developing retail banking business in China, and puts forward the necessity for banks to develop retail banking business. At the same time, it analyzes the development of the retail banking business of ZX Bank, the problems faced in the development of the retail banking business, and puts forward the strategies and countermeasures for the development of the retail banking business. This will contribute to the implementation of ZX Bank's next retail banking business strategy, to promote the development of ZX Bank's retail banking business and to enhance its competitiveness and market share in the retail banking sector. And for the development of consumer finance in China to provide useful research.
【学位授予单位】：云南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

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