中国银行鄂尔多斯市分行对公存款业务发展现状及对策研究

发布时间：2018-03-03 06:07

本文选题：对公存款　切入点：商业银行　出处：《内蒙古大学》2012年硕士论文　论文类型：学位论文

【摘要】：对公存款作为商业银行低成本资金的重要来源,在负债业务的竞争中占据着越来越重要的地位。2011年,国家的货币政策由宽松转为稳健,存款准备金率数次上调。面对日益严峻的市场增存形势,如何拓展更多的对公客户、提高对公存款业务市场占有率,稳固市场份额,已成为中国银行鄂尔多斯市分行亟待研究和解决的课题。本文结合鄂尔多斯地区的经济发展现状,通过对中国银行鄂尔多斯市分行对公存款的数量、行业分类及占比情况的具体分析,对比鄂尔多斯市工商银行、建设银行、农业银行等三家国有银行的对公存款现状,找到了中国银行鄂尔多斯市分行对公存款组织工作的问题,有针对性的提出了从网点建设到员工素质提升,再到拓展现有业务形式等解决方案,为中国银行鄂尔多斯市分行日后的公存款管理或者对公存款的组织方面提供了一定的参考价值。
[Abstract]:As an important source of low-cost funds for commercial banks, public deposits play an increasingly important role in the competition for debt business. In 2011, the country's monetary policy changed from loose to sound. The reserve requirement ratio has been raised several times. In the face of the increasingly severe market situation, how to expand more public customers, increase the market share of the public deposit business, and stabilize the market share? Bank of China Ordos City Branch has become an urgent issue to be studied and solved. Based on the current economic development situation of Ordos region, this paper analyzes the quantity, industry classification and proportion of public deposits in Ordos branch of Bank of China, and compares with Industrial and Commercial Bank of Ordos and China Construction Bank. The current situation of the three state-owned banks, Agricultural Bank of China and other state-owned banks, has found the problem of the organization of the public deposits in the Ordos branch of the Bank of China, and has pointed out that from the construction of the network to the improvement of the quality of the employees, Then to expand the existing business forms and other solutions for the Bank of China Ordos branch in the future public deposit management or the organization of public deposits to provide a certain reference value.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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