工商银行吉林市哈达支行中间业务发展研究

发布时间：2018-04-30 00:47

本文选题：哈达支行 + 中间业务　；参考：《吉林大学》2012年硕士论文

【摘要】：改革开放距今已30多年，，此间我国不论是在政治还是在经济上都取得了令人瞠目的辉煌成就。尤其是2011年，我国GDP总量首超日本，成为世界第二大经济强国，但按人均排名之落后仍是一个不争的事实。随着世界经济一体化和全球金融自由化的逐步深入，我国在入世11年后已按照承诺全面开放对外国金融机构业务，中国经济的持续快速发展，伴随而来的是外资银行的蜂拥涌入，中国境内出现了大批的外资银行及其办事处，银行业的竞争日益加剧。随着商业银行经营结构的转型，中间业务以其小成本、高收益、低风险的巨大优势，已成为商业银行收入的重要来源，且近年来比重仍在不断上升。与发展日臻完善的西方商业银行相比较，我国商业银行中间业务因起步较晚，缺乏重视，与其在竞争中面临着很大的挑战，中间业务现已成为衡量各家商业银行核心竞争力的重要标准之一。本文拟在对商业银行中间业务发展的叙述的基础上，介绍了中间业务的概念、特点、分类以及发展的重要意义，并对中外商业银行的中间业务发展状况进行了概述。本文通过对工商银行吉林市哈达支行中间业务发展的现状入手，对其进行战略性剖析，提出适合其发展中间业务的策略，从而解决哈达支行中间业务在发展过程中存在的困难与不足。论文主要的研究内容包括：中间业务理论的概念以及其相应的特点、商业银行发展中间业务的重要意义和发展的状况、工商银行吉林市哈达支行中间业务发展的现状，以及用SWOT分析法研究其面临的战略选择、对工商银行吉林市哈达支行发展中间业务提出的建议对策。本文第1章是绪论，从选题意义的角度出发阐述了论文选题的背景，中间业务作为文章核心内容的理论概述、发展意义、商业银行中间业务发展状况以及论文研究的主要内容和结构框架。第2章，本文以中国工商银行吉林市哈达支行为研究对象，通过一系列的数据比较对该行中间业务的经营状况进行了叙述，并根据实际情况提出该行发展中间业务的过程中存在的问题。第3章，本文利用SWOT分析法指出哈达支行所面临的优势与劣势以及未来的机遇与挑战。第4章，结合哈达支行的实际情况提出了一系列的发展对策和建议，对该行未来中间业务的开展将具有一定的借鉴意义。本文建议工商银行吉林市哈达支行在未来开展中间业务的过程中应积极转变传统思维，重新审视商业银行发展中间业务的重要意义，找出哈达支行在过去经营工作中的不足；哈达支行应站在全行战略发展的高度、紧跟总行的经营导向，根据市场环境和政策的变化，将发展中间业务提到经营工作的重要地位，大力拓展创新中间业务品种，主动适应混业经营模式下的金融机构间的合作，大力推进行之有效的产品营销工作，配合政府和监管部门推动哈达支行中间业务走出一条健康良性发展的道路。
[Abstract]:The reform and opening up has been more than 30 years ago. China has made remarkable achievements in both politics and economy. Especially in 2011, China's total GDP exceeded Japan and became the second largest economic power in the world. However, the backwardness of per capita ranking is still an indisputable fact. With the integration of the world economy and the global financial self. After 11 years of accession to the WTO, China has fully opened its business to foreign financial institutions in accordance with its commitment, and China's economy continues to develop rapidly. With the flock of foreign banks, a large number of foreign banks and their offices have emerged in China, and the competition in the banking industry is intensifying. The intermediate business, with its small cost, high income and low risk, has become an important source of commercial banks' income. In recent years, the proportion of commercial banks is still rising. Compared with the western commercial banks, which are becoming more and more perfect, the intermediary business of commercial banks in our country has a late step, lack of attention, and it faces a lot of competition. The intermediate business has become one of the most important criteria for measuring the core competitiveness of various commercial banks.
On the basis of the narration of the development of commercial banks' intermediary business, this paper introduces the concept, characteristics, classification and the significance of the development of the intermediary business, and gives an overview of the development status of the middle business of the commercial banks in China and foreign countries. The main contents of the thesis include: the concept of intermediate business theory and its corresponding characteristics, the importance and development of commercial banks to develop intermediate business, industry and commerce, and industry and commerce. The present situation of the development of the intermediate business of the Bank of Jilin hada branch of the Bank of China, and the strategic choice to be studied by the SWOT analysis method, and the suggestions for the development of the intermediate business of the industrial and Commercial Bank of Jilin hada branch.
The first chapter of this article is the introduction. From the point of view of the topic, the background of the topic is expounded, the theoretical outline of the intermediate business as the core of the article, the significance of the development, the development of the intermediary business of the commercial bank, the main content and the structural frame of the research of the paper.
The second chapter, based on the research object of hada's behavior in Jilin, Jilin, describes the operation status of the middle business through a series of data comparison, and puts forward the existing problems in the process of developing the intermediary business according to the actual situation.
The third chapter, using SWOT analysis, points out the strengths and weaknesses of hada branch and the opportunities and challenges ahead.
The fourth chapter, combined with the actual situation of hada branch, put forward a series of development countermeasures and suggestions, which will be of certain reference for the development of the bank's future intermediary business.
This paper suggests that the industrial and Commercial Bank of Jilin City hada branch should actively change the traditional thinking in the process of developing the intermediate business in the future, reexamine the significance of the commercial bank to develop the intermediary business and find out the shortcomings of the hada branch in the past operation; the hada branch should stand at the height of the strategic development of the whole line and follow the management guidance of the general bank. In the light of the changes in the market environment and policy, the intermediate business should be developed to the important position of the business, to expand the variety of the innovative intermediate business, to actively adapt to the cooperation among the financial institutions under the mixed operation mode, to push forward the effective product marketing work, and to match the government and the regulatory authorities to promote the intermediate business of the hada branch. Out of a healthy and healthy way.

【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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