招商银行南宁分行零售信贷业务发展策略研究

发布时间：2018-10-24 20:59

【摘要】：中国经济正处于下行阶段,经济增长速度变得缓慢,经济结构正在转型,金融市场环境愈来愈差,总体而言,现在国内商业银行所处的发展环境并不乐观。金融脱媒趋势明显,利率市场化基本完成,互联网金融的迅速发展,都对银行未来的发展提出了全新的挑战。国内商业银行在寻求新的利润增长点的同时也越来越重视零售业务的发展,零售信贷业务作为零售业务的重心,处于迅速发展时期,已然成为国内商业银行间竞争的重要部分。本论文首先希望通过研究招商银行南宁分行的零售信贷业务的发展策略,扩大其零售信贷业务的贷款规模,提高招商银行南宁分行的盈利水平;其次期望通过以招商银行南宁分行为例子,可以为其他银行发展零售信贷业务提供参考,进一步提高中国零售信贷业务发展水平。本文从零售信贷业务的组织管理,现行发展策略,业务规模,产品结构等四个方面陈述招商银行南宁分行零售信贷业务的发展现状,发现发展过程中存在发展策略不够完善、组织结构需要完善、流程需要优化、考核方案不合理、零售信贷队伍流动性大和专业能力不够等问题。本文综合分析招商银行南宁分行零售信贷业务在发展中所处的宏观、中观、内部环境,总结出招商银行南宁分行发展零售信贷业务的优势、劣势、机遇和威胁,进而提出招商银行南宁分行零售信贷业务未来的发展策略,并从组织架构、业务流程、绩效考核、队伍建设、客户资源等方面提出保障措施。
[Abstract]:China's economy is in a downward phase, the economic growth rate has become slow, the economic structure is transforming, the financial market environment is getting worse and worse, in general, the development environment of domestic commercial banks is not optimistic. The trend of financial disintermediation, the completion of interest rate marketization and the rapid development of Internet finance have posed a new challenge to the future development of banks. While seeking new profit growth point, domestic commercial banks pay more and more attention to the development of retail business. As the focus of retail business, retail credit business is in the rapid development period, and has become an important part of the competition among domestic commercial banks. First of all, this paper hopes to expand the loan scale of China Merchants Bank Nanning Branch by studying the development strategy of its retail credit business, and improve the profit level of China Merchants Bank Nanning Branch. Secondly, it is expected that by taking China Merchants Bank Nanning Branch as an example, it can provide reference for other banks to develop retail credit business and further improve the development level of China retail credit business. This paper states the present situation of retail credit business of China Merchants Bank Nanning Branch from four aspects: organization and management of retail credit business, current development strategy, business scale and product structure, and finds that the development strategy is not perfect in the process of development. The organizational structure needs to be improved, the process needs to be optimized, the appraisal scheme is unreasonable, the retail credit team is mobile and the professional ability is not enough. This paper comprehensively analyzes the macro, medium and internal environment of the retail credit business of China Merchants Bank Nanning Branch, and summarizes the advantages, disadvantages, opportunities and threats of the development of retail credit business in the Nanning Branch of China Merchants Bank. And then put forward the future development strategy of retail credit business of China Merchants Bank Nanning Branch, and put forward the safeguard measures from the aspects of organizational structure, business process, performance appraisal, team building, customer resources and so on.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

【参考文献】