我国商业银行零售业务转型研究

发布时间：2018-01-11 05:04

本文关键词：我国商业银行零售业务转型研究　出处：《河北大学》2012年硕士论文　论文类型：学位论文

【摘要】：几年前，面对严重的同质化竞争，我国银行业开始了向差异化发展的第一次转型，并且多数银行都选择了以零售业务为突破口。经过几年的推进，各银行零售业务不断增加，收入占比迅速提升。但由于我国银行零售业务仍沿袭了外延粗放的发展模式，利润贡献率不高成为阻碍其发展的突出问题。在目前资本充足率监管日益趋紧的形势下，各银行可行的应对政策只能是继续深化转型。因此，研究我国商业银行零售业务的转型问题，使其走上质量与效益并重的集约化发展道路，对于我国整个银行业乃至金融体系都有着极大的现实意义。本文采取宏观分析和微观剖析向结合的方法，从宏观角度研究了银行零售业务转型的条件和基础，并提出了完善金融制度的政策建议；从微观角度剖析了银行零售业的现状及问题，指出了提升零售业务盈利能力的对策。文章首先对银行零售业务进行界定，指出其客户主体包括个人、家庭和小企业；接着，回顾了银行零售业务在我国的发展阶段及各类业务的发展状况，并将这些业务按照发展潜力不同分成传统业务、新兴业务、种子业务三个类型。其次，通过分析三类业务的发展现状和趋势，指出传统零售业务占用过多资源，新兴零售业务重规模轻质量，，种子零售业务盈利点未被挖掘是导致银行零售业务利润贡献度低的原因。第三，从市场需求等方面研究了转型的条件及其基础，指出信用卡、个人理财、小企业信贷和私人银行是银行零售业务未来最重要的利润区。最后，提出了商业银行零售业务转型的对策及完善金融制度的政策建议，指明银行传统零售业务应向资源节约化转型，新兴零售业务由量变向质变转型，种子零售业务向高定位转型并提出了具体对策；配套金融制度方面包括对建立存款保险制度，推进利率市场化，加快金融混业经营，以及完善征信管理和信用担保制度的建议。
[Abstract]:A few years ago, facing the serious homogeneity competition, the banking industry of our country began the first transition to the differentiation development, and most banks chose to take the retail business as the breakthrough point. The retail business of each bank is increasing, and the proportion of income is rising rapidly. However, the retail business of our country still follows the extensive extension of the development model. Low profit contribution rate has become a prominent problem hindering its development. In the current situation of tighter capital adequacy ratio supervision, banks can only continue to deepen the transformation policy. It is of great practical significance for the whole banking industry and even the financial system of our country to study the transformation of the retail business of commercial banks in China and make it develop on the road of intensive development with equal emphasis on quality and efficiency. This article adopts the method of macro analysis and micro analysis to combine, studies the condition and foundation of the banking retail business transformation from the macroscopic angle, and puts forward the policy suggestions to perfect the financial system; This paper analyzes the present situation and problems of bank retailing from the micro point of view, and points out the countermeasures to improve the profitability of retail business. Firstly, the paper defines the retail business of banks and points out that the main clients include individuals, families and small enterprises. Then, it reviews the development of retail banking business in China and the development of various types of business, and according to the development potential of these businesses are divided into traditional business, emerging business, seed business three types. Secondly. By analyzing the development status and trend of the three types of business, it is pointed out that the traditional retail business occupies too much resources, and the emerging retail business pays more attention to the scale than the quality. Seed retail business profit points are not excavated is the reason for the low contribution of banking retail business profits. Third, from the market demand and other aspects of the transformation conditions and their basis, pointing out credit cards, personal finance. Small enterprise credit and private bank are the most important profit zones in the future of banking retail business. Finally, the paper puts forward the countermeasures of commercial bank retail business transformation and policy recommendations to improve the financial system. The paper points out that the traditional retail business of the bank should be transformed to resource saving, the new retail business should be transformed from quantitative to qualitative change, and the seed retail business should be transformed to a high orientation, and the concrete countermeasures are put forward. The supporting financial system includes suggestions on establishing deposit insurance system, promoting marketization of interest rate, speeding up mixed operation of finance, and perfecting credit information management and credit guarantee system.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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