小区金融对民生银行的战略价值和市场潜力研究

发布时间：2018-01-22 09:50

本文关键词： 小区金融战略价值分析型CRM模型市场潜力 SWOT分析　出处：《天津大学》2015年硕士论文　论文类型：学位论文

【摘要】：在国内利率市场化加速推进的大背景下,传统的中国银行业不仅要面对外资银行的竞争压力,还要防范近年来互联网金融异军突起对存款流失造成的不利影响。竞争的加剧逼迫中国银行业必须做出改变,在这浩荡银行大军中,民生银行素来以快速适应市场而闻名,她审时度势迅速采取小区金融战略,从源头端牢牢把握客户,占领市场,争取在这新一轮的较量中取得成绩。本文介绍了美国社区银行的发展历程和可借鉴之处,展现了富国银行不同之处。随后阐述了民生银行在发展小区金融上所做出的努力和如今取得的成就,并运用SWOT分析战略对民生银行小区金融进行详尽分析,据此提出相应的建议。本文使用两种定量的分析指标来评估小区金融对民生银行的战略价值,根据抽样数据和年报数据测算了小区金融对民生银行整体ROE和ROA的贡献;此外,在分析客户价值方面使用分析型CRM模型,寻找小区金融目标价值客户,从而能够对相关群体提供配套服务。除此之外,本研究还分别从国家法律法规、小区金融的市场环境、民生银行的配套产品和服务、竞争者分析和客户行为选择这五大维度讨论民生银行发展小区金融的潜力,全方位分析民生银行小区金融潜在市场。通过详尽的分析,明确了民生银行发展小区金融业务的长处和不足、今后发展方向以及重点所在,小区金融从现实和未来上来说都对银行发展有着很大的价值,民生银行在小区金融上还有许多潜力没有开发,未来可以作为另外一个蓝海市场来开发。本文结合上述分析和发达国家发展社区银行的先进经验,对民生银行发展小区金融战略提出了五点建议,希望民生银行能够根据自身实际情况,采取相应措施,积极推进小区金融的发展,做到为银行创造财富的同时还能惠国惠民。本文展现了民生银行小区金融发展的现实状况,选取了民生银行具有代表性的苏州分行典型小区金融便利店案例和数据,采用理论分析和定量分析相结合的方法分析了民生银行小区金融的现实和潜在价值,阐述了民生银行小区金融的潜在市场,认为民生银行推进小区金融战略对其未来发展具有重要意义。并结合民生银行实际发展情况,提出几点建议,以期促进民生银行小区金融更加繁荣发展,推动我国社区银行发展。
[Abstract]:Under the background of the acceleration of domestic interest rate marketization, the traditional Chinese banks not only have to face the competition pressure from foreign banks. It is also necessary to guard against the adverse effects of the sudden emergence of Internet finance on the loss of deposits in recent years. The intensification of competition has forced the Chinese banking industry to make changes in this vast army of banks. Minsheng Bank has long been known for its rapid adaptation to the market, she quickly adopted a small financial strategy, from the source firmly grasp customers, occupy the market. This paper introduces the development course of American community bank and the points that can be used for reference. Show the differences between Wells Fargo and then explain Minsheng Bank's efforts in the development of community finance and the achievements made today. Based on the detailed analysis of Minsheng Bank's district finance by using SWOT analysis strategy, this paper uses two quantitative analysis indicators to evaluate the strategic value of residential finance to Minsheng Bank. According to the sampling data and annual report data, the contribution of district finance to Minsheng Bank's overall ROE and ROA is calculated. In addition, in the analysis of customer value, the use of analytical CRM model to find community financial target value customers, so as to provide supporting services to the relevant groups. This study also discusses the potential of Minsheng Bank to develop district finance from the five dimensions of national laws and regulations, the market environment of residential finance, the supporting products and services of Minsheng Bank, competitor analysis and customer behavior selection. Through the detailed analysis, it makes clear the strengths and shortcomings of Minsheng Bank to develop the district financial business, the future development direction and the key point. Community finance is of great value to the development of banks both in reality and in the future. Minsheng Bank still has a lot of potential untapped in community finance. In the future, it can be developed as another blue sea market. Based on the above analysis and the advanced experience of developing community banks in developed countries, this paper puts forward five suggestions for Minsheng Bank to develop district finance strategy. I hope Minsheng Bank can take corresponding measures according to its own actual situation to actively promote the development of district finance. To create wealth for the banks at the same time can benefit the people. This paper shows the real situation of the financial development of Minsheng Bank. Select the representative of Minsheng Bank Suzhou Branch of the typical district of financial convenience store cases and data, using theoretical analysis and quantitative analysis of the method of combining the real and potential value of Minsheng Bank district finance. This paper expounds the potential market of Minsheng Bank's district finance, thinks that Minsheng Bank's promotion of district finance strategy is of great significance to its future development, and puts forward some suggestions combined with the actual development situation of Minsheng Bank. In order to promote the Minsheng Bank District Finance more prosperous development, promote the development of our community banks.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.33

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