中国农业银行宁夏分行国际业务发展问题及对策研究
发布时间：2019-03-03 09:58
【摘要】：商业银行国际业务从广义上来讲是指涉及到外币或者是国外客户的活动,它不仅包括商业银行在国外的业务活动,也包含其在国内所从事的有关外币的业务。通过对国际业务发展的深入研究,有助于农业银行宁夏分行实现经营转型；可使农行宁夏分行获得稳定的无风险收入；是农业银行宁夏分行核心竞争能力的重要体现；是农业银行宁夏分行评价优秀银行的重要标准；可使农行宁夏分行获得更高的估值。因此,进一步对农行宁夏分行国际业务发展研究成为必需的课题。 本文对农业银行宁夏分行国际业务发展存在的问题进行了研究。研究中基于商业银行管理理论和市场营销理论,采用了波特五力模型分析法和PEST模型分析方法,对农业银行宁夏分行国际业务发展环境从宏观环境、行业环境和内部环境三个方面进行了分析。从农业银行宁夏分行国际业务的发展现状得出目前农业银行宁夏分行国际业务发展存在的问题有以下几个方面：国际业务经营定位偏差、外汇资金实力薄弱、优质目标客户稀缺、内部管理职责不清、从业人员素质较低、产品服务缺乏创新。 在此基础之上,本文提出了农行宁夏分行发展国际业务的建议。主要是：加大对国际业务的重视；加大外汇资金实力；拓展目标客户,优化客户结构；加强内部建设,实现流程管理；充实营销机构,提高外汇从业人员素质；创新产品组合,提高服务效率,从而使农业银行宁夏分行国际业务有长足的发展。
[Abstract]:In broad sense, the international business of commercial banks refers to the activities involving foreign currency or foreign customers. It includes not only the business activities of commercial banks abroad, but also the foreign currency-related business of commercial banks in China. Through the in-depth research on the development of international business, it will help the Agricultural Bank of Ningxia Branch to realize the business transformation, can make the Agricultural Bank Ningxia Branch obtain stable risk-free income, it is the important embodiment of the core competitiveness of the Agricultural Bank Ningxia Branch; Agricultural Bank Ningxia Branch is an important standard for evaluation of outstanding banks; can make Agricultural Bank Ningxia Branch to obtain a higher valuation. Therefore, further research on the international business development of Agricultural Bank Ningxia Branch has become a necessary subject. This paper studies the problems existing in the development of international business of Ningxia Branch of Agricultural Bank. Based on the management theory and marketing theory of commercial banks, this paper adopts the analysis method of Porter five forces model and PEST model to analyze the international business development environment of Ningxia Branch of Agricultural Bank from the macro environment. The industry environment and internal environment are analyzed. From the development of international business of Ningxia Branch of Agricultural Bank of China, it is concluded that the problems existing in the development of international business of Ningxia Branch of Agricultural Bank are as follows: the position of international business is biased, the strength of foreign exchange fund is weak, High-quality target customers are scarce, internal management responsibilities are unclear, the quality of employees is low, and product service is lack of innovation. On this basis, this article put forward the agricultural bank Ningxia branch to develop the international business suggestion. The main ones are: to pay more attention to the international business; to increase the strength of foreign exchange funds; to expand the target customers and optimize the customer structure; to strengthen the internal construction to realize the process management; to enrich the marketing institutions and improve the quality of foreign exchange practitioners; Innovative product portfolio, improve service efficiency, so that the agricultural bank Ningxia branch international business has a considerable development.
【学位授予单位】：宁夏大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33
本文编号：2433593
[Abstract]:In broad sense, the international business of commercial banks refers to the activities involving foreign currency or foreign customers. It includes not only the business activities of commercial banks abroad, but also the foreign currency-related business of commercial banks in China. Through the in-depth research on the development of international business, it will help the Agricultural Bank of Ningxia Branch to realize the business transformation, can make the Agricultural Bank Ningxia Branch obtain stable risk-free income, it is the important embodiment of the core competitiveness of the Agricultural Bank Ningxia Branch; Agricultural Bank Ningxia Branch is an important standard for evaluation of outstanding banks; can make Agricultural Bank Ningxia Branch to obtain a higher valuation. Therefore, further research on the international business development of Agricultural Bank Ningxia Branch has become a necessary subject. This paper studies the problems existing in the development of international business of Ningxia Branch of Agricultural Bank. Based on the management theory and marketing theory of commercial banks, this paper adopts the analysis method of Porter five forces model and PEST model to analyze the international business development environment of Ningxia Branch of Agricultural Bank from the macro environment. The industry environment and internal environment are analyzed. From the development of international business of Ningxia Branch of Agricultural Bank of China, it is concluded that the problems existing in the development of international business of Ningxia Branch of Agricultural Bank are as follows: the position of international business is biased, the strength of foreign exchange fund is weak, High-quality target customers are scarce, internal management responsibilities are unclear, the quality of employees is low, and product service is lack of innovation. On this basis, this article put forward the agricultural bank Ningxia branch to develop the international business suggestion. The main ones are: to pay more attention to the international business; to increase the strength of foreign exchange funds; to expand the target customers and optimize the customer structure; to strengthen the internal construction to realize the process management; to enrich the marketing institutions and improve the quality of foreign exchange practitioners; Innovative product portfolio, improve service efficiency, so that the agricultural bank Ningxia branch international business has a considerable development.
【学位授予单位】：宁夏大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33
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