中国农业银行宁夏分行公司信贷业务存在问题及对策研究

发布时间：2018-04-17 00:30

本文选题：中国农业银行 + 公司信贷业务　；参考：《宁夏大学》2015年硕士论文

【摘要】：我国经济发展进入新常态,金融脱媒和利率市场化改革步伐加快,优质客户争夺竞争激烈,商业银行面临诸多挑战和压力。做为在大型商业银行经营布局中具有支柱性地位的公司信贷业务,也面临着如何适应当下经济及市场形势的紧迫需求。研究中基于商业银行对公司信贷业务的定义、分类及特点,根据公司信贷业务的相关政策,运用波特五力模型,对宁夏农行公司信贷业务进行了分析；以查找宁夏农行公司信贷业务各环节的不足为主线,运用一定理论,实地调查,进行比较分析,分析宁夏农行公司信贷业务发展现状及存在问题；在把握国家政策,借鉴国内外先进经验的基础上,有针对性的提出宁夏农行公司信贷业务经营策略的改进思路和原则,并从人员配备及队伍建设、内部制度及流程、协同合作战略、产品与服务创新等具体方面提出了促进宁夏农行公司信贷业务科学发展的对策建议。
[Abstract]:China's economic development has entered the new normal, the pace of financial disintermediation and interest rate marketization reform has been quickened, the competition of high-quality customers is fierce, and commercial banks are facing many challenges and pressures.As the company credit business which has the pillar position in the management layout of the large commercial banks, it also faces the urgent need of how to adapt to the current economic and market situation.Based on the definition, classification and characteristics of corporate credit business by commercial banks, this paper analyzes the credit business of Agricultural Bank of Ningxia by using Porter's five-force model according to the relevant policies of corporate credit business.Based on the main line of finding out the deficiency of the credit business of Agricultural Bank of Ningxia Company, this paper applies certain theory, field investigation, carries on comparative analysis, analyzes the present situation and existing problems of credit business of Agricultural Bank of Ningxia Company, and grasps the national policy.Based on the advanced experience at home and abroad, this paper puts forward the improving ideas and principles of the credit management strategy of Agricultural Bank of Ningxia Corporation, and puts forward the cooperative strategy from the aspects of staffing and team building, internal system and process, and cooperation strategy.The paper puts forward some countermeasures and suggestions to promote the scientific development of the credit business of Agricultural Bank of Ningxia Corporation in the specific aspects of product and service innovation.
【学位授予单位】：宁夏大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.33

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