邯郸工行县域发展策略研究

发布时间：2018-03-14 18:04

本文选题：县域经济　切入点：邯郸工行　出处：《河北大学》2017年硕士论文　论文类型：学位论文

【摘要】：就经济政策的落实而言,县域金融属于其终端环节,它对促进县域经济不断前进有着重要作用。在金融环境越来越复杂的情况下,金融市场不断向纵深发展,银行之间的竞争日益激烈,但是伴随着县域经济水平的不断提升,它对金融资金与服务提出了更高要求。不过,当前国有商业银行还存在着链条长、管理层级多的问题,对县域经济放贷的条件也比较严苛,导致县域资金供求严重不均衡。近年来,邯郸工行逐渐放宽了向县域经济放贷的条件,尤其是针对小微企业、小额农户的放贷规模不断扩大,但是在金融体制改革要求日益突出的情况下,工行开始朝着集约化经营方向发展,普遍推行“重点行业、重点客户、重点项目”战略,这一行为取向一定程度上有利于县域大项目、大产业的优化和发展,但是无法适应邯郸各县域的经济特点,使县域业务的规模和影响力趋向减弱。本文通过邯郸东、西县域经济发展的不同特点,剖析邯郸工行在东、西县域发展过程中所面临的机遇和挑战,利用SWOT模型进行分析下一步营销战略方向,并结合自身在工商银行的基层工作经验以及邯郸县域金融发展现状的思考,就怎样更好的推动县域金融发展和实施差别化管理、突破瓶颈迎接挑战等,对邯郸工行下一步县域发展方向提供建议。
[Abstract]:As far as the implementation of economic policy is concerned, county finance belongs to its terminal link, which plays an important role in promoting the continuous progress of county economy. The competition among banks is becoming increasingly fierce, but with the constant improvement of the county economy, it puts forward higher requirements for financial funds and services. However, at present, state-owned commercial banks still have long chains and many management levels. In recent years, the Handan Industrial and Commercial Bank of China has gradually relaxed the conditions for lending to the county economy, especially for small and micro enterprises. The scale of lending by small farmers is constantly expanding, but with the increasingly prominent requirements of the financial system reform, ICBC has begun to develop in the direction of intensive management, and has generally pursued the strategy of "key industries, key customers, key projects," To a certain extent, this behavior orientation is conducive to the optimization and development of large county projects and industries, but it is unable to adapt to the economic characteristics of Handan counties, so that the scale and influence of county business tends to weaken. This paper analyzes the different characteristics of the economic development in the west county, analyzes the opportunities and challenges faced by Handan ICBC in the process of development in the east and west counties, and analyzes the next marketing strategy direction by using the SWOT model. Combined with their own working experience at the grass-roots level of ICBC and the current situation of Handan county financial development, how to better promote the county financial development and implement differential management, break through the bottleneck to meet the challenges, etc. Handan Industrial and Commercial Bank of the next county development direction to provide advice.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F127

【参考文献】