中国银行鄂尔多斯市分行公司金融业务开展的现状及对策研究

发布时间：2018-07-13 18:51

【摘要】：公司金融业务是指商业银行对企业法人、政府机构、金融机构以及各类法人组织等机构性客户提供金融服务的总称。随着国内商业银行的改革和银行业的发展,商业银行的公司金融业务己从传统的存款和贷款业务发展到了综合性的公司金融业务,公司金融业务作为商业银行的一项重要业务,是商业银行的主营业务和收入的主要来源,是银行业务发展的主体和基础,巩固和促进公司业务的全面发展,对于银行的可持续发展至关重要。在商业银行的经营管理中居于重要地位,是商业银行最主要的利润贡献来源。随着我国金融市场的日益开放,中国金融机构将而临强大对手,竞争更加激烈,尤其是对公司业务市场份额的争夺,股份制银行为发展市场份额、扩充实力必然要以信贷为手段去争夺市场。可以肯定,竞争的结果将是对客户市场的重新分割。因此,如何巩固并拓展公司业务市场份额就成为国有商业银行面临的重大课题。中国银行鄂尔多斯分行作为内蒙古自治区重点地区的国有商业银行之一,在进一步开拓创新,寻求发展公司金融业务的行之有效的策略,具有十分重要的意义。本文从分析中国银行鄂尔多斯分行公司金融业务的经营情况分析入手,提出公司金融业务领域亟待开展市场营销这一研究课题。从宏观经济、金融环境、同业竞争状况等方面对中国银行鄂尔多斯市分行公司金融业务开展市场营销的环境进行深入的分析,总结出外部因素对中国银行鄂尔多斯分行公司金融业务的综合影响；随后从营销技巧、产品组合、风险控制、客户经理机制建设等方面对中国银行鄂尔多斯分行的内部管理、营销策略进行分析,对中国银行鄂尔多斯分行公司金融业务的发展提出具体可行的实施方案和营销策略。
[Abstract]:Corporate financial business refers to the financial services provided by commercial banks to corporate, government, financial institutions and other institutional customers. With the reform of the domestic commercial banks and the development of the banking industry, the corporate financial business of the commercial banks has developed from the traditional deposit and loan business to the comprehensive corporate financial business, which is an important business of the commercial banks. It is the main business and the main source of income of the commercial bank and the main body and foundation of the development of the bank business. It is very important for the sustainable development of the bank to consolidate and promote the overall development of the company's business. It plays an important role in the management of commercial banks and is the main source of profit contribution. With the increasingly open financial market in our country, Chinese financial institutions will face strong rivals, and the competition will be more fierce, especially the competition for market share of the company business, the joint-stock banks will develop market share. The expansion of strength must rely on credit as a means to compete for the market. To be sure, the result of competition will be the re-segmentation of the customer market. Therefore, how to consolidate and expand the market share of business has become a major issue facing state-owned commercial banks. As one of the state-owned commercial banks in Inner Mongolia Autonomous region, Ordos Branch of Bank of China is of great significance in further developing and innovating and seeking effective strategies to develop the financial business of the company. This paper begins with the analysis of the management of financial business in Ordos Branch of Bank of China, and points out that the research subject of marketing should be carried out urgently in the field of corporate financial business. From the aspects of macroeconomic, financial environment, interbank competition and so on, this paper makes a deep analysis of the marketing environment for the financial business of the Ordos Branch of Bank of China. Summing up the comprehensive influence of external factors on the financial business of Bank of China Ordos Branch, and then the internal management of the Ordos Branch of Bank of China from the aspects of marketing skills, product mix, risk control, account manager mechanism construction, etc. Based on the analysis of the marketing strategy, the author puts forward the feasible implementation plan and marketing strategy for the development of the financial business of the Ordos Branch of Bank of China.
【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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