临商银行中间业务创新策略研究

发布时间：2018-06-17 22:30

本文选题：临商银行 + 中间业务　；参考：《中国海洋大学》2015年硕士论文

【摘要】：在经济自由化和放松金融管制的背景下,西方商业银行逐渐将业务重心放在发展中间业务上。经过二十多年的努力,西方商业银行中间业务规模不断扩大,涉及范围广泛,收入增长迅速。反观我国商业银行,传统的经营模式依旧占据主导地位,中间业务不仅规模小,品种少,而且技术含量低,收入占比不高。随着金融体制改革的深入和社会经济的发展对金融需求的推动,我国商业银行也逐步认识到中间业务发展的重要性,并积极利用现有资金、技术、人才、信息等方面的优势发展各类中间业务,使我国商业银行的中间业务有了明显的进步,但与发达国家商业银行相比,临商银行的中间业务还存在较大的差距。本文依据商业银行中间业务创新的相关理论,根据SWOT分析法对临商银行中间业务的发展环境进行了分析,在梳理国外先进商业银行中间业务创新经验的基础上,对临商银行中间业务开展的影响因素进行了实证分析,针对性的提出了临商银行中间业务创新的实施对策。通过研究得到以下结论。第一,目前临商银行中间业务创新取得了一定成效,品种日渐丰富、收入不断增加、贡献度日益提高、网上中间业务发展态势良好。但是,仍然存在中间业务产品种类单一且结构不合理、不能很好地满足客户需求、管理机制落后、风险管理水平有待提高、缺乏先进技术与人才储备等问题。第二,通过对临商银行中间业务创新发展环境的SWOT分析,发现其优势在于业务品种日渐丰富、收入不断增加、贡献度日益提高等；劣势包括产品种类单一且结构不合理、客户需求满足度不高、管理机制落后、风险管理水平有待提高等；机会在于临沂市经济发展态势较好,中小企业的发展潜力大,与政府建立了良好关系等：威胁在于中间业务品牌不突出,网点覆盖率较低,缺乏高素质人才等。第三,西方发达国家商业银行中间业务创新实践取得良好效果,实现了中间业务的经营混业化、创新品种繁多、营销策略多样化、服务手段先进等,这与其电子技术在发展及其广泛应用、政策松动扫清了相关障碍、融资方式的进一步提升等直接相关。我国应积极借鉴,实行混业经营,开发信息技术,培养专业人才等。第四,通过对临商银行中间业务创新影响因素的回归分析,发现地区生产总值、城乡居民人均可支配收入、中间业务品种数、贡献度、组织管理体系对临商银行中间业务创新有显著影响,而风险控制体制没有显著影响。因此,应该重点提高地区生产总值、城乡居民人均可支配收入、品种数、贡献度、组织管理体系等。最后,本文提出了临商银行中间业务创新实施对策,包括大力发展当地国民经济,提高城乡居民人均可支配收入,积极创新、抢先发展新业务,完善中间业务的组织管理体系等。
[Abstract]:Under the background of economic liberalization and financial deregulation, Western commercial banks gradually focus on the development of intermediary business. After more than 20 years' efforts, the scale of intermediary business of western commercial banks is expanding, involving a wide range, and the income is growing rapidly. On the other hand, the traditional management mode still occupies the dominant position in our country's commercial banks. The intermediate business is not only small in scale, few in variety, but also low in technology content and low in income. With the deepening of the reform of the financial system and the development of social economy, the commercial banks of our country have gradually realized the importance of the development of intermediate business, and have actively utilized the existing funds, technologies and talents. The advantages of information, such as developing all kinds of intermediate business, make the intermediary business of commercial banks in our country have made obvious progress, but compared with the commercial banks of developed countries, there is still a big gap between the intermediary business of the commercial banks in China and that of the commercial banks in the developed countries. Based on the theory of intermediate business innovation of commercial banks and SWOT analysis method, this paper analyzes the development environment of intermediary business in Linshang Bank, and combs the innovation experience of intermediate business in foreign advanced commercial banks. This paper makes an empirical analysis on the influencing factors of the intermediary business of Linshang Bank, and puts forward some countermeasures to implement the innovation of the intermediate business of Linshang Bank. The following conclusions are obtained through research. First, at present, Linshang Bank has achieved certain results in the innovation of intermediary business. The variety is increasingly rich, the income is increasing, the contribution degree is increasing, and the online intermediary business is developing well. However, there are still some problems such as single type of intermediate business products and unreasonable structure, which can not meet the needs of customers well, the management mechanism is backward, the level of risk management needs to be improved, and lack of advanced technology and talent reserve. Secondly, through SWOT analysis of the innovation and development environment of intermediate business in Linshang Bank, it is found that its advantages lie in the growing variety of business, increasing revenue and increasing contribution, etc. The disadvantages include single product category and unreasonable structure. Customer demand is not high, management mechanism is backward, risk management level needs to be improved, the opportunity lies in the better economic development situation of Linyi City, the development potential of small and medium-sized enterprises, Established good relationship with the government: the threat lies in the intermediate business brand is not prominent, network coverage is low, lack of high quality personnel and so on. Third, commercial banks in western developed countries have achieved good results in the practice of intermediary business innovation. They have realized the mixed operation of intermediary business, a wide variety of innovations, diversified marketing strategies, advanced service means, and so on. This is directly related to the development and wide application of electronic technology, the loosening of policies, the further improvement of financing methods and so on. Our country should actively use for reference, carry out mixed operation, develop information technology, train professionals and so on. Fourth, through the regression analysis of the influencing factors of intermediate business innovation in Linshang Bank, we find that the regional GDP, the per capita disposable income of urban and rural residents, the number of types of intermediate business, the contribution degree, The organizational management system has a significant impact on intermediate business innovation, while the risk control system has no significant impact. Therefore, the regional gross domestic product, the per capita disposable income of urban and rural residents, the number of varieties, the contribution degree, the organization and management system should be improved. Finally, the paper puts forward some countermeasures to implement the intermediate business innovation of Linshang Bank, including vigorously developing the local national economy, increasing the per capita disposable income of urban and rural residents, actively innovating, and developing new business first. Improve the intermediary business management system and so on.
【学位授予单位】：中国海洋大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2

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