桂林银行柳州分行个人金融业务发展的策略研究

发布时间：2018-04-03 01:07

本文选题：桂林银行柳州分行　切入点：个人金融业务　出处：《广西大学》2016年硕士论文

【摘要】：随着经济建设的快速发展,对于商业银行的业务收入来源来说,个人金融业务所作出的贡献比重越来越高。与传统资本市场业务相比,个人金融业务的特点有更加稳固的收入、更大的灵活性。就目前来说,商业银行越来越重视个人金融业务在收入和盈利重要性,大力发展个人金融业务已经成为了商业银行重点发展的项目。本文通过对桂林银行柳州分行个人金融业务发展的现状分析、策略选择、发展措施的研究,得到的结论是:桂林银行柳州分行个人金融业务发展的策略及工作措施是必要的也是可行的;通过实施本文制定的工作措施,桂林银行柳州分行能更好地搭建产品、服务和连接商户与客户这两个特定群体,在满足双边群体需求的基础上,适时地给予两个群体配置合适的金融资产,巧妙地从中赢利,从而实现"多赢"的战略目标;在桂林银行总行已有的电商平台的基础上,深入打造柳州分行电子商务平台,以带动柳州分行个人金融业务的长远发展。本研究对桂林银行柳州分行个人金融业务发展的策略及其实施方案的研究,不仅可以指导桂林银行柳州分行个人金融业务未来的发展,也能为其他商业银行的零售业务的实践活动提供借鉴,具有十分深远的实践意义。
[Abstract]:With the rapid development of economic construction, personal financial business contributes more and more to the sources of business income of commercial banks.Compared with the traditional capital market business, personal financial business features more stable income and greater flexibility.At present, commercial banks pay more and more attention to the importance of personal financial business in income and profit, and the development of personal financial business has become a key development project of commercial banks.Through the analysis of the current situation of the development of personal financial business in Liuzhou Branch of Guilin Bank, the research on the strategy choice and development measures is made in this paper.The conclusions are as follows: the development strategy and working measures of individual financial business in Liuzhou Branch of Guilin Bank are necessary and feasible; through the implementation of the working measures formulated in this paper, the Liuzhou Branch of Guilin Bank can better build products.On the basis of satisfying the needs of the bilateral groups, the two specific groups, namely, the service and the connecting merchant and the customers, should be given the appropriate financial assets at the right time, so as to make a good profit from them so as to realize the strategic goal of "multi-win".On the basis of the existing e-commerce platform of Guilin Bank, the electronic commerce platform of Liuzhou Branch is built in order to promote the long-term development of personal financial business of Liuzhou Branch.This study not only can guide the future development of individual financial business in Liuzhou Branch of Guilin Bank, but also study the strategy and implementation scheme of personal financial business development in Liuzhou Branch of Guilin Bank.It can also provide reference for the retail business practice of other commercial banks, which has a very profound practical significance.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.2

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