我国商业银行零售业务的发展策略研究

发布时间：2019-01-06 07:54

【摘要】：自2005年以来,在我国金融相关的各个行业中,银行业一直是最赚钱的行业之一。随着利率市场化进程的推进[1],金融脱媒化的逐步深入,同业竞争趋势的加剧,更有外资银行的引入,使得各家商业银行都在加紧步伐寻找新的利润增长点。我国商业银行的零售业务由于其面向的大多是个人、家庭及小企业等[2],就具有风险相对较小,收入较稳定、成长性较好的特点。目前商业银行零售业务在我国银行业创造的利润价值比以往高了许多,现已陆续成为各家商业银行实行的业务转型重点,但如何将商业银行零售业务顺利发展就值得深入研究一番。本文具体介绍了我国商业银行零售业务的理论基础、运用SWOT分析法探究了如今我国商业银行零售业务的优势、劣势、机遇和威胁。分别介绍了国内和国外商业银行零售业务的发展进程,重点分析了我国最先提出零售业务的招商银行和成为世界零售业务发展典范的花旗银行,从两者的业务发展策略中寻找我国银行业零售业务发展过程中的不足。并通过因子分析法对2015年上半年我国13家主要商业银行零售业务相关财务指标和业务数据加以实证分析,得出目前商业银行主要的三个主成分是规模收入能力、风险防范能力和潜在发展能力。同时得出13家商业银行在三个主成分下的得分,并据此得到单个影响因子和综合因素影响下各银行的排名情况,从而提出我国商业银行零售业务发展的合理化建议。提出需要通过提高银行服务标准来赢得客户,真正实现以客户为中心的银行服务宗旨,建立品牌效益以增强商业银行软实力,进行客户细分来加强零售产品的营销、重点发展中间业务等策略。借鉴国外成功的零售业务发展经验,针对我国商业银行零售业务面对的挑战和机遇,探索出一条适合于我国金融体制的商业银行发展道路。从而为实现我国商业银行零售业务转型战略,促进商业银行零售产品的创新,提升业内市场竞争力进而提出可供参考的建议。
[Abstract]:Since 2005, banking has been one of the most profitable industries in China. With the advancement of interest rate marketization, the gradual deepening of financial disintermediation, the intensification of interbank competition and the introduction of foreign banks, each commercial bank is stepping up its pace to find new profit growth points. The retail business of commercial banks in our country has the characteristics of relatively small risk, stable income and good growth, because most of the retail business is aimed at individuals, families and small enterprises. At present, the value of profits created by the retail business of commercial banks in China's banking industry is much higher than in the past, and has now become the focus of business transformation implemented by commercial banks one after another. However, how to develop the retail business of commercial banks is worth further study. This paper introduces the theoretical basis of retail business of commercial banks in China, and probes into the strengths, weaknesses, opportunities and threats of retail business of commercial banks in China by means of SWOT analysis. This paper introduces the development process of retail business of domestic and foreign commercial banks respectively, and analyzes the China Merchants Bank, which first put forward the retail business in China, and Citibank, which has become the model of retail business development in the world. From the two business development strategies to find the development of our banking retail business deficiencies. Through the empirical analysis of the financial indexes and business data of 13 major commercial banks in China in the first half of 2015, it is concluded that the main three principal components of commercial banks are the capacity of scale income. Ability of risk prevention and potential development. At the same time, the scores of 13 commercial banks under the three principal components are obtained, and the ranking of each bank under the influence of a single factor and a comprehensive factor is obtained, and the rational suggestions for the development of retail business of commercial banks in China are put forward. It is necessary to win customers by improving banking service standards, realize the aim of customer oriented banking service, establish brand benefits to enhance commercial banks' soft power, and carry out customer segmentation to strengthen the marketing of retail products. Focus on the development of intermediary business and other strategies. Referring to the successful retail business development experience of foreign countries and aiming at the challenges and opportunities facing the retail business of commercial banks in our country, this paper explores a commercial bank development path suitable for our country's financial system. In order to realize the transformation strategy of retail business of commercial banks in China, promote the innovation of retail products of commercial banks, and promote the market competitiveness of the commercial banks, some suggestions for reference are put forward.
【学位授予单位】：辽宁师范大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.2

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