商业银行零售业务创新研究

发布时间：2018-05-11 07:22

本文选题：商业银行 + 零售业务　；参考：《湖南大学》2013年硕士论文

【摘要】：随着全球金融业务的不断发展和深入,作为商业银行重要业务支柱之一的零售业务,在商业银行中的价值创造能力得到了迅速地提升,零售业务越来越成为商业银行发展的重要利润源泉。但是,如何才能保持商业银行零售业务持续发展的势头? 这是一个值得当前学者们深思、探讨的现实问题。在这样的背景下,对零售业务进行创新就显得十分必要和关键了。根据近几年国际、国内商业银行零售业务的历史数据,我们可以看出国内外在这方面的差距十分悬殊。这不得不引起我国业界的重视。经过一段时间的理论与实践的研究,业界逐渐意识到只有依靠商业银行零售业务的转型与创新,才能带动整个商业银行的核心竞争力和利润创造力的提高。论文在界定了“商业银行零售业务”与“商业银行零售业务创新”的概念的基础上,阐明了商业银行零售业务所依据的理论背景及创新的理论基础。同时,对我国商业银行零售业务的发展现状进行了全面分析,得出了目前存在着发展战略雷同、市场定位不够清晰、营销渠道建设缺乏合理规划布局等多层次问题,并就其原因做出了剖析。基于对以上现状的分析,进一步地总结出商业银行零售业务创新的内容与原则,创新的内容主要包括：制度方面创新,产品方面创新,服务方面创新。另外在开展创新活动中,为了符合高效、合规、科学等要求,应该遵循运行、管理模式与业务创新相匹配、收益覆盖成本与风险等五个原则。这些将有助于商业银行在零售业务实践中更好地“扬长避短”,进行转型与创新。本文的亮点在于,不仅根据商业银行零售业务存在的问题,从战略层面上提出了未来零售银行业务转型制胜的八项必备能力；还从战术层面上对商业银行零售业务的创新提出了应加大产品创新力度、成功实现零售网点的转型、优化客户关系管理等方面的建议；最后,前瞻性地分析了未来社会的变化趋势对商业银行零售业务所带来的机遇,并对如何把握这些机遇,实施向“大零售”的转型制定了针对性的策略。
[Abstract]:With the continuous development and deepening of global financial business, retail business, as one of the important business pillars of commercial banks, has been rapidly enhanced in the ability of value creation in commercial banks. Retail business has become an important profit source for the development of commercial banks. However, how to maintain the commercial bank retail business development momentum? This is a current scholars to ponder, explore the reality of the problem. In this context, the retail business innovation is very necessary and key. According to the historical data of international and domestic commercial banks' retail business in recent years, we can see that the gap between domestic and foreign commercial banks in this respect is very wide. This has to arouse the attention of our industry. After a period of theoretical and practical research, the industry gradually realized that only by relying on the transformation and innovation of retail business of commercial banks, can the core competitiveness and profit creativity of the whole commercial banks be improved. On the basis of defining the concepts of "retail business of commercial bank" and "innovation of retail business of commercial bank", the paper clarifies the theoretical background and theoretical basis of innovation of retail business of commercial bank. At the same time, the paper makes a comprehensive analysis of the present situation of the retail business of commercial banks in our country, and draws the conclusion that the development strategy is similar at present, the market position is not clear enough, the marketing channel construction lacks the reasonable planning and layout, and so on. The reasons are analyzed. Based on the analysis of the above situation, the contents and principles of commercial bank retail business innovation are summarized further. The contents of innovation mainly include: system innovation, product innovation, service innovation. In addition, in order to meet the requirements of efficiency, compliance and science, five principles should be followed in carrying out innovation activities, such as operation, matching management mode with business innovation, income coverage, cost and risk. These will help commercial banks in retail business practice to better "strengthen strengths and avoid weaknesses", transformation and innovation. The bright spot of this paper lies in, not only according to the commercial bank retail business existence question, from the strategic aspect proposed the future retail bank business transformation to win the eight essential ability; It also puts forward some suggestions on the innovation of retail business of commercial banks from the tactical level, such as product innovation, successful transformation of retail outlets, optimization of customer relationship management and so on. This paper makes a forward-looking analysis of the opportunities brought by the changing trend of the future society to the retail business of commercial banks, and makes a targeted strategy on how to grasp these opportunities and implement the transition to "big retail".
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

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