建设银行深圳分行个人理财业务发展策略研究
发布时间：2018-08-04 11:33
【摘要】：在全球银行业都处于经营转型的大背景下,我国国内商业银行业也同样存在经营转型的巨大压力。在经营转型的过程中,市场需求、同业竞争、规制改革、技术改革等因素尽管有着不同的表现形式,但却以相同的规律影响着我国商业银行的经营战略调整和业务模式的选择。当前,我国商业银行正处于一个日趋复杂的经营环境和内部变革中。在这一新的形势之下,商业银行加快实施经营转型和推动理财业务的发展已迫在眉睫。从理财产品来看,产品同质性较强,目前国内理财业务的竞争主要体现在产品价格上；从理财业务的规模主要是以封闭式为主,体现“产品为客户量身定做”的理念较少；客户关系管理能力有待提高；理财业务相关的框架,流程有待完善；理财业务的人员储备不足,银行理财业务人员的培养严重滞后等问题。 本文选取建设银行深圳分行为研究对象,通过分析建设银行深圳分行个人理财业务现状,运用SWOT分析方法对建设银行深圳分行发展个人理财业务的优势、劣势、机会和威胁进行细致清晰的分析。以期找出其业务发展与国外先进银行差距和自身的问题,结合个人理财业务发展趋势,制定业务发展策略和具体解决措施。
[Abstract]:As the global banking industry is in the background of business transformation, China's domestic commercial banks also have great pressure on the transformation of business. In the process of business transformation, the market demand, the competition of the same industry, the regulation reform, the technological reform and so on, although there are different forms of expression, but affect the commercial banks of our country with the same law. At present, China's commercial banks are in an increasingly complex operating environment and internal change. Under this new situation, it is urgent for commercial banks to accelerate the implementation of business transformation and promote the development of financial services. From the view of financial products, the product is homogeneous and is at home at present. The competition of financial business is mainly reflected in the price of the product; the size of the financial business is mainly based on the closed form, which shows that the concept of "product is customized for customers" is less; the ability of customer relationship management needs to be improved; the framework of financial business related, the process needs to be perfected; the personnel reserve of the financial business is insufficient and the bank manages financial management. The training of business personnel is seriously lagging behind.
In this paper, the Shenzhen branch of Construction Bank is selected as the research object, and through the analysis of the current situation of the personal financial services of the Shenzhen branch of the Construction Bank, the SWOT analysis method is used to analyze the advantages, disadvantages, opportunities and threats of the development of the Shenzhen branch of the Bank of China, in order to find out the difference between the development of its business and the advanced foreign banks. In the light of their own problems, and combining the development trend of personal financial services, formulate business development strategies and specific solutions.
【学位授予单位】：大连理工大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2
本文编号：2163860
[Abstract]:As the global banking industry is in the background of business transformation, China's domestic commercial banks also have great pressure on the transformation of business. In the process of business transformation, the market demand, the competition of the same industry, the regulation reform, the technological reform and so on, although there are different forms of expression, but affect the commercial banks of our country with the same law. At present, China's commercial banks are in an increasingly complex operating environment and internal change. Under this new situation, it is urgent for commercial banks to accelerate the implementation of business transformation and promote the development of financial services. From the view of financial products, the product is homogeneous and is at home at present. The competition of financial business is mainly reflected in the price of the product; the size of the financial business is mainly based on the closed form, which shows that the concept of "product is customized for customers" is less; the ability of customer relationship management needs to be improved; the framework of financial business related, the process needs to be perfected; the personnel reserve of the financial business is insufficient and the bank manages financial management. The training of business personnel is seriously lagging behind.
In this paper, the Shenzhen branch of Construction Bank is selected as the research object, and through the analysis of the current situation of the personal financial services of the Shenzhen branch of the Construction Bank, the SWOT analysis method is used to analyze the advantages, disadvantages, opportunities and threats of the development of the Shenzhen branch of the Bank of China, in order to find out the difference between the development of its business and the advanced foreign banks. In the light of their own problems, and combining the development trend of personal financial services, formulate business development strategies and specific solutions.
【学位授予单位】：大连理工大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2
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