聊城市农村信用社中间业务发展研究

发布时间：2018-03-26 03:49

本文选题：农村信用社　切入点：中间业务　出处：《山东大学》2012年硕士论文

【摘要】：自上世纪八十年代以来,各发达国家商业银行中间业务的发展突飞猛进,有些商业银行中间业务收入占比已达总收入的半数之多,成为银行利润的主要来源。相比于国际上发达国家商业银行中间业务的开展情况,我国商业银行的中间业务仍然具有起步晚、种类少、水平低的特点。而作为地方性中小型金融机构的聊城市农村信用社,更属于中间业务的发展洼地。尽管中间业务的重要性已成各级机构的共识,但是中间业务的各项经营指标并不理想,发展情况难如人意。本文将以聊城市农村信用社中间业务的拓展为内容展开论述,分析在当前金融形势下,如何根据本地农村信用社的特点大力推进中间业务的发展,并对拓展中间业务的策略和方法进行探讨。本文以提出问题、分析问题、解决问题的顺序为思路,安排组织全文内容：第一章,绪论。从聊城市农村信用社业务发展的现实背景和同其他商业银行在中间业务开展情况的对比中,引出本文的论点,并介绍文章的框架结构和主要内容,属于提出问题部分；第二章,聊城市农村信用社中间业务概述。根据中间业务的概念、分类和特点,从聊城市农村信用社的发展历程和业务特点的分析出发,回答了大力发展中间业务的必要性；第三章,聊城市农村信用社中间业务发展环境分析。运用SwOT分析法全面分析聊城市农村信用社中间业务发展的内、外部环境,进而得出中间业务发展的策略选择所应遵循的原则。以上两章,都属于分析问题部分；第四章,聊城市农村信用社中间业务发展策略。分别从市场定位和发展方向、实施有效的市场调研和营销、创新优化服务手段、完善发展中间业务的内部环境等四个方面进行论述,提出了聊城市农村信用社当前中间业务的发展策略和具体方法,属于解决问题部分。本文主要的创新点包括：从农村信用社发展中间业务的务实性出发,必须实施以客户为中心的市场营销策略；提出中间业务服务界面的概念,以树立客户至上理念,增强服务功能。
[Abstract]:Since the 1980s, the intermediary business of commercial banks in various developed countries has developed by leaps and bounds. Some commercial banks have accounted for more than half of their total revenues. Compared with the international commercial banks in developed countries, the intermediate business of commercial banks in our country still has the characteristics of late start, few kinds and low level. The Liaocheng Rural Credit Cooperatives, as local small and medium-sized financial institutions, belong to the depressions of the development of intermediary business. Although the importance of intermediary business has become the consensus of all levels of institutions, the various operating indicators of intermediate business are not ideal. The development of the rural credit cooperatives in Liaocheng is not satisfactory. This paper will discuss how to promote the development of the intermediate business according to the characteristics of the local rural credit cooperatives under the current financial situation. The strategies and methods of developing intermediary business are also discussed. In this paper, to put forward the problem, analyze the problem, solve the problem as the train of thought, arrange the content of the whole text: chapter one, Introduction. From the real background of Liaocheng Rural Credit Cooperatives' business development and the comparison with other commercial banks in the development of intermediate business, this paper leads to the argument, and introduces the frame structure and main content of the article, which belongs to the part of raising questions; The second chapter, Liaocheng Rural Credit Cooperative intermediary business overview. According to the concept of intermediary business, classification and characteristics, from the Liaocheng rural credit cooperatives development process and business characteristics of the analysis, answered the necessity of vigorously developing intermediate business; The third chapter, Liaocheng rural credit cooperatives intermediary business development environment analysis. Using SwOT analysis method to analyze the internal and external environment of Liaocheng rural credit cooperatives intermediary business development, The above two chapters belong to the analysis part; the fourth chapter, Liaocheng Rural Credit Cooperative intermediary business development strategy. Respectively from the market positioning and development direction, Carrying out effective market research and marketing, innovating and optimizing the service means, perfecting the internal environment of developing intermediate business, and putting forward the development strategy and concrete method of the current intermediate business of Liaocheng Rural Credit Cooperative. It is part of the problem solving section. The main innovation points of this paper include: starting from the reality of developing intermediate business in rural credit cooperatives, we must implement the customer-centered marketing strategy, and put forward the concept of intermediate service interface to establish the concept of customer first. Enhance service function.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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