民生银行贵阳分行社区金融商业模式研究
发布时间：2018-12-05 21:40
【摘要】：近几年,国内外形势正发生着深刻变化,国内经济发展出现疲软态势,随着经济体制和金融体制改革的进一步推进,不断深化的利率市场化改革收窄了银行存贷利差,对我国股份制商业银行传统盈利模式提出了挑战,商业银行亟需加快经营管理的改革和业务模式的转型。与此同时,中小微企业一直以来是我国国家经济的重要主体,是推动经济增长重要活力源泉,在国内经济转型背景下发挥的作用越来越重要,但我国中小微企业始终面临着较大的融资难题,极大地约束了中小微企业发展。成功的国际经验表明,发展社区银行不仅是金融系统的重要组成部分,更能有效降低金融体系的系统风险。以零售业务为重心的社区银行能够填补大型银行在金融市场上的业务空白,深化一国金融市场层次,有效促进中小微企业融资环境的改善,为国民经济注入活力,对促进国家经济发展具有重大的现实意义。因此,国内众多商业银行将发展社区银行作为零售业务转型的重要战略选择,社区银行的商业模式能否在中国金融市场上站稳脚跟,是未来国内商业银行在竞争激烈的市场中赢得先机的关键。当前,我国社区银行仍属于新生事物,有必要对社区银行的商业模式和实践方面进行探索和加强实证研究来进一步完善其运营机制及经营管理。本文立足贵阳市具体情况,以发展“小微金融”和“小区金融”为社区银行主要业务的民生银行贵阳分行为案例,采用实地问卷调查方法,深入调查贵阳市金融市场现状及居民对社区银行业务偏好,从客户类型、社区分类、居民对金融产品及非金融服务等维度分析贵阳市居民的需求与偏好,指出当前社区银行发展中存在市场定位模糊、产品创新不足、零售业务违约率上升等问题。提出贵阳市民生银行发展社区银行应积极抓住机遇,充分发挥社区优势,精细市场定位,结合4R营销理论来提高经营管理水平,并完善风险控制体系,从而促进自身的发展,针对现阶段存在的问题提出解决对策与建议,旨在提高社区银行的核心竞争力,优化社区银行的内、外环境,促进贵阳市社区银行的健康、良序、持续发展,为社区银行的发展提供有益的探索。
[Abstract]:In recent years, the situation at home and abroad is undergoing profound changes, and the domestic economic development is weak. With the further development of the economic system and the financial system reform, the deepening interest rate marketization reform has narrowed the bank deposit and loan spreads. The traditional profit model of joint-stock commercial banks in China has been challenged. It is urgent for commercial banks to speed up the reform of management and the transformation of business models. At the same time, small and medium-sized enterprises have always been the main body of China's national economy, an important source of vitality to promote economic growth, and play an increasingly important role in the context of domestic economic transformation. However, the small and medium-sized enterprises in China are always faced with great financing problems, which greatly constrains the development of small and medium-sized enterprises. The successful international experience shows that the development of community banks is not only an important part of the financial system, but also an effective way to reduce the systemic risk of the financial system. Community banks, which focus on retail business, can fill the gap in the financial market of large banks, deepen the financial market level of a country, effectively promote the improvement of the financing environment for small and medium-sized enterprises, and inject vitality into the national economy. To promote national economic development has great practical significance. Therefore, many commercial banks in China regard the development of community banks as an important strategic choice for the transformation of retail business. Can the commercial model of community banks take a firm foothold in the Chinese financial market? It is the key for domestic commercial banks to win the first chance in the competitive market. At present, the community bank in our country is still a new thing, it is necessary to explore and strengthen the empirical research on the commercial model and practice of the community bank in order to further improve its operation mechanism and management. Based on the specific situation of Guiyang City, this paper takes the Minsheng Bank Guiyang Branch, which develops "small micro-finance" and "community finance" as the main business of the community bank, as a case study, and adopts the method of questionnaire survey on the spot. By investigating the present situation of financial market and residents' preference for community banking in Guiyang, the paper analyzes the needs and preferences of residents in Guiyang from the aspects of customer type, community classification, financial products and non-financial services. It is pointed out that there are some problems in the development of community banks, such as vague market orientation, insufficient product innovation and rising default rate of retail business. The paper puts forward that Guiyang Minsheng Bank should actively seize the opportunity, give full play to the advantages of the community, finely position the market, combine with the 4R marketing theory to improve the management level and perfect the risk control system, so as to promote its own development. In order to improve the core competitiveness of community banks, optimize the internal and external environment of community banks, and promote the healthy, orderly and sustainable development of the community banks in Guiyang City, the paper puts forward some countermeasures and suggestions for solving the problems existing at the present stage. To provide beneficial exploration for the development of community bank.
【学位授予单位】：贵州大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2
本文编号：2365511
[Abstract]:In recent years, the situation at home and abroad is undergoing profound changes, and the domestic economic development is weak. With the further development of the economic system and the financial system reform, the deepening interest rate marketization reform has narrowed the bank deposit and loan spreads. The traditional profit model of joint-stock commercial banks in China has been challenged. It is urgent for commercial banks to speed up the reform of management and the transformation of business models. At the same time, small and medium-sized enterprises have always been the main body of China's national economy, an important source of vitality to promote economic growth, and play an increasingly important role in the context of domestic economic transformation. However, the small and medium-sized enterprises in China are always faced with great financing problems, which greatly constrains the development of small and medium-sized enterprises. The successful international experience shows that the development of community banks is not only an important part of the financial system, but also an effective way to reduce the systemic risk of the financial system. Community banks, which focus on retail business, can fill the gap in the financial market of large banks, deepen the financial market level of a country, effectively promote the improvement of the financing environment for small and medium-sized enterprises, and inject vitality into the national economy. To promote national economic development has great practical significance. Therefore, many commercial banks in China regard the development of community banks as an important strategic choice for the transformation of retail business. Can the commercial model of community banks take a firm foothold in the Chinese financial market? It is the key for domestic commercial banks to win the first chance in the competitive market. At present, the community bank in our country is still a new thing, it is necessary to explore and strengthen the empirical research on the commercial model and practice of the community bank in order to further improve its operation mechanism and management. Based on the specific situation of Guiyang City, this paper takes the Minsheng Bank Guiyang Branch, which develops "small micro-finance" and "community finance" as the main business of the community bank, as a case study, and adopts the method of questionnaire survey on the spot. By investigating the present situation of financial market and residents' preference for community banking in Guiyang, the paper analyzes the needs and preferences of residents in Guiyang from the aspects of customer type, community classification, financial products and non-financial services. It is pointed out that there are some problems in the development of community banks, such as vague market orientation, insufficient product innovation and rising default rate of retail business. The paper puts forward that Guiyang Minsheng Bank should actively seize the opportunity, give full play to the advantages of the community, finely position the market, combine with the 4R marketing theory to improve the management level and perfect the risk control system, so as to promote its own development. In order to improve the core competitiveness of community banks, optimize the internal and external environment of community banks, and promote the healthy, orderly and sustainable development of the community banks in Guiyang City, the paper puts forward some countermeasures and suggestions for solving the problems existing at the present stage. To provide beneficial exploration for the development of community bank.
【学位授予单位】：贵州大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2
【参考文献】
相关期刊论文 前3条
1 赵世勇;香伶;;美国社区银行的优势与绩效[J];经济学动态;2010年06期
2 李果仁;;美国社区银行的发展及对我国的启示[J];上海商学院学报;2009年05期
3 何德旭;王卉彤;;美国社区银行的发展:评述及启示[J];新金融;2006年07期
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