中国农业发展银行内蒙古分行中间业务发展现状及对策研究
发布时间：2018-11-28 17:36
【摘要】：银行开办中间业务是社会经济和信用关系发展到一定阶段的必然产物,是银行适应金融市场发展的必然结果。伴随着金融全球化发展,各类金融产品不断衍生和创新,客观上极大的推动了银行业中间业务的发展壮大。农发行内蒙古分行作为全区唯一一家政策性金融机构,在支持扩大内需,强化农业基础,改善农村民生等更是责无旁贷,更应发挥农业政策性金融优势。与此同时,开办、发展中间业务具有资本占用低、业务风险低和综合效益高等特点,也应成为农发行内蒙古分行拓展深掘的业务领域。中间业务收入对农发行利润贡献占比的提高,一方面可以提升农发行的整体盈利能力,另一方面也有助于农发行调整收入结构,提高抵御风险的能力。 国内外银行发展历史经验表明,中间业务发展水平已成为衡量一个银行创新能力、服务能力和核心竞争能力的重要标志。农发行要在同业竞争中发挥自身的优势地位,要通过大力发展中间业务来实现收入结构调整和完成经营战略转型。农发行内蒙古分行中间业务经过近几年的发展,中间业务收入实现了高速增长,取得了令人可喜的成绩。但随着行业竞争日趋激烈,各商业银行在中间业务已经积累了先进和丰富的经验比较下,农发行内蒙古分行中间业务发展上还应发挥农业政策性金融机构优势,在业务品种、业务创新上下足功夫,做好文章。 本文以农发行内蒙古分行为研究对象,综合运用理论分析与比较分析等方法,将研究的焦点聚集于该行中间业务如何突破现阶段发展瓶颈,积极探索可持续增长的途径。通过对农发行内蒙古分行中间业务发展现状以及存在的主要问题的深入剖析,结合相关中间业务发展理论启示,提出现阶段农发行内蒙古分行中间业务的发展思路、发展策略以及在实施过程中的风险防范措施。本文的研究对象是国有政策性银行的一级分支机构,具有较强的代表性。因此,提出的发展策略对我国政策性银行中间业务的进一步发展具有一定的参考和借鉴意义。
[Abstract]:The intermediary business is the inevitable result of the development of social economy and credit relationship to a certain stage, and the inevitable result of the bank adapting to the development of financial market. With the development of financial globalization, all kinds of financial products continue to derive and innovate, which promotes the development of banking intermediary business. As the only policy-oriented financial institution in the whole region, Agricultural Development Bank Inner Mongolia Branch is duty-bound to support the expansion of domestic demand, strengthen the agricultural foundation and improve the people's livelihood in rural areas, and should give full play to the advantages of agricultural policy-oriented finance. At the same time, the development of intermediary business has the characteristics of low capital occupation, low business risk and high comprehensive benefit, which should also become the business field of Agricultural Development Bank Inner Mongolia Branch. On the one hand, the increase of the contribution of intermediate business income to the profit of Agricultural Development Bank, on the one hand, can enhance the overall profitability of the Agricultural Development Bank, on the other hand, it can also help the Agricultural Development Bank to adjust its income structure and improve its ability to resist risks. The development history of banks at home and abroad shows that the development level of intermediate business has become an important symbol of a bank's innovation ability, service ability and core competition ability. The Agricultural Bank of China (ABC) should exert its advantages in the competition of the same industry, and realize the adjustment of income structure and the strategic transformation of management by developing the intermediate business. After the development of intermediary business in Inner Mongolia Branch of Agricultural Development Bank in recent years, the income of intermediary business has achieved rapid growth and obtained gratifying results. However, with the increasingly fierce competition in the industry, the commercial banks have accumulated advanced and rich experience in the intermediary business, and the development of the intermediary business in the Agricultural Development Bank of Inner Mongolia Branch should also give play to the advantages of agricultural policy-oriented financial institutions in the variety of business. Business innovation on the next full effort, do a good job of the article. This paper takes the Inner Mongolia Branch of Agricultural Development Bank as the research object and synthetically applies the methods of theoretical analysis and comparative analysis to focus the research on how to break through the bottleneck of the current development of the intermediate business of the bank and actively explore the way of sustainable growth. Through the deep analysis of the present situation and the main problems of the intermediary business development of the Agricultural Development Bank of Inner Mongolia Branch, combined with the enlightenment of relevant intermediary business development theory, this paper puts forward the development ideas of the intermediate business in the Inner Mongolia Branch of the Agricultural Development Bank of China at the present stage. Development strategy and risk prevention measures in the process of implementation. The research object of this paper is the first-level branch of the state-owned policy bank, which has strong representativeness. Therefore, the proposed development strategy has a certain reference and reference significance for the further development of the intermediate business of policy banks in 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】：F832.3
本文编号：2363716
[Abstract]:The intermediary business is the inevitable result of the development of social economy and credit relationship to a certain stage, and the inevitable result of the bank adapting to the development of financial market. With the development of financial globalization, all kinds of financial products continue to derive and innovate, which promotes the development of banking intermediary business. As the only policy-oriented financial institution in the whole region, Agricultural Development Bank Inner Mongolia Branch is duty-bound to support the expansion of domestic demand, strengthen the agricultural foundation and improve the people's livelihood in rural areas, and should give full play to the advantages of agricultural policy-oriented finance. At the same time, the development of intermediary business has the characteristics of low capital occupation, low business risk and high comprehensive benefit, which should also become the business field of Agricultural Development Bank Inner Mongolia Branch. On the one hand, the increase of the contribution of intermediate business income to the profit of Agricultural Development Bank, on the one hand, can enhance the overall profitability of the Agricultural Development Bank, on the other hand, it can also help the Agricultural Development Bank to adjust its income structure and improve its ability to resist risks. The development history of banks at home and abroad shows that the development level of intermediate business has become an important symbol of a bank's innovation ability, service ability and core competition ability. The Agricultural Bank of China (ABC) should exert its advantages in the competition of the same industry, and realize the adjustment of income structure and the strategic transformation of management by developing the intermediate business. After the development of intermediary business in Inner Mongolia Branch of Agricultural Development Bank in recent years, the income of intermediary business has achieved rapid growth and obtained gratifying results. However, with the increasingly fierce competition in the industry, the commercial banks have accumulated advanced and rich experience in the intermediary business, and the development of the intermediary business in the Agricultural Development Bank of Inner Mongolia Branch should also give play to the advantages of agricultural policy-oriented financial institutions in the variety of business. Business innovation on the next full effort, do a good job of the article. This paper takes the Inner Mongolia Branch of Agricultural Development Bank as the research object and synthetically applies the methods of theoretical analysis and comparative analysis to focus the research on how to break through the bottleneck of the current development of the intermediate business of the bank and actively explore the way of sustainable growth. Through the deep analysis of the present situation and the main problems of the intermediary business development of the Agricultural Development Bank of Inner Mongolia Branch, combined with the enlightenment of relevant intermediary business development theory, this paper puts forward the development ideas of the intermediate business in the Inner Mongolia Branch of the Agricultural Development Bank of China at the present stage. Development strategy and risk prevention measures in the process of implementation. The research object of this paper is the first-level branch of the state-owned policy bank, which has strong representativeness. Therefore, the proposed development strategy has a certain reference and reference significance for the further development of the intermediate business of policy banks in 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】：F832.3
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