民营中小型银行精细化服务型金融产品设计

发布时间：2018-11-18 08:11

【摘要】：2013年11月,十八届三中全会明确提出允许民营中小型银行的建立,次年3月,随着腾讯、百业源、阿里巴巴等10家民间资本两两共同发起设立的五家民营中小型银行的试点工作拉开帷幕,标志着民营中小型银行正式诞生。本文所研究的民营中小型银行是民间资本自发设立、自主经营、自担风险、自负盈亏,纳入国家统一监管的新兴金融机构。作为经济新常态下的金融改革的重大举措,笔者就当前民营中小型银行的市场定位、服务范围、服务对象的金融需求特征以及相关业务情况等分析的基础上,通过SWOT分析法对目前民营中小型银行总体情况的分析,从金融产品的创新视角出发,针对基础客户群的市场需求、目标、产品形式等方面的深入研究,提出精细化服务型金融产品创新设计,即在对目标客户群调研基础上进行精细划分,突出客户中心位置的同时提供满足其多样化、个性化、差异化的金融产品及相关服务。因此,笔者分别对个人和小微企业两大客户群以不同的设计思路进行产品创新。其中,在个人产品设计过程中,以点带面,选取具有潜在价值的大学生为例,通过问卷调查的形式,以所调查结果来分析目标客户具体的需求从而设计出满足其需求的产品。然而,在小微企业的产品设计过程中,针对小微企业发展状况及面临的融资困境提出精细化服务型金融产品设计方案,并具体介绍设计方案的各个环节。本文对民营中小型银行提出精细化服务型金融产品创新设计主要有三方面的作用。第一,丰富民营中小型银行现有的业务类型,提供多样化、精准化的金融服务产品,增强自身市场竞争力。第二,通过精细化服务型金融产品创新设计,一方面,为解决小微企业复杂化、差异化的融资需求而提供方便快捷、操作性强且标准化的业务流程。另一方面,也为个人客户提供更加具体的、针对性强的多种金融服务选择。第三,精细化金融服务不仅是民营中小型银行的有利选择,也是未来金融市场的必然选择,所以此设计方案能对日后金融市场的发展提供一定的可借鉴作用。
[Abstract]:In November 2013, the third Plenary session of the 18th CPC Central Committee explicitly proposed to allow the establishment of small and medium-sized private banks. The pilot work of five small and medium-sized private banks initiated by Alibaba and other 10 private capital groups marks the formal birth of the private medium and small banks. The small and medium-sized private banks studied in this paper are a new financial institution, which is established spontaneously by private capital, operates autonomously, takes risks, and takes responsibility for its own profits and losses, and is incorporated into the unified supervision of the state. As a major measure of financial reform under the new normal state of economy, the author analyzes the market orientation, service scope, financial demand characteristics and related business situation of the small and medium-sized private banks. Through the analysis of the general situation of the small and medium-sized private banks by SWOT analysis, from the perspective of innovation of financial products, the paper makes a deep research on the market demand, target and product form of the base customer group. The innovative design of finer service financial products is put forward, that is to say, on the basis of investigation and research on the target customer group, the innovative design of financial products and related services is proposed, which emphasizes the central position of customers and at the same time provides the financial products and related services that satisfy their diversification, individualization and differentiation. Therefore, the author carries on the product innovation with the different design idea to the individual and the small and micro enterprise two customer groups separately. Among them, in the process of personal product design, we select the college students with potential value as an example, through the form of questionnaire, to analyze the specific needs of the target customers to design the products to meet their needs. However, in the process of product design of small and micro enterprises, aiming at the development situation and financing dilemma of small and micro enterprises, the design scheme of service financial products is put forward, and each link of the design scheme is introduced in detail. This paper puts forward the innovative design of service-oriented financial products for small and medium-sized private banks in three aspects. First, enrich the existing business types of small and medium-sized private banks, provide diversified and accurate financial services products, and enhance their market competitiveness. Second, through the refinement of innovative design of service-oriented financial products, on the one hand, to solve the complex and differentiated financing needs of small and micro enterprises to provide convenient, operational and standardized business processes. On the other hand, it also provides more specific and targeted financial service options for individual customers. Thirdly, fine financial service is not only a favorable choice for small and medium-sized private banks, but also an inevitable choice for the future financial market, so this design scheme can provide some reference for the development of financial market in the future.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.2

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