中信银行中间业务发展研究

发布时间：2018-01-03 02:05

本文关键词：中信银行中间业务发展研究　出处：《上海交通大学》2014年硕士论文　论文类型：学位论文

【摘要】：随着我国金融行业的逐步开放,国内商业银行的生存环境不断发生变化,传统的资产负债业务盈利空间越来越小,中间业务成为商业银行新的利润增长点。目前,中间业务已与资产业务、负债业务成为银行三大支柱业务之一,是我国商业银行面对西方发达国家商业银行竞争、迎接全球化挑战、提高自身经济实力的一个重要支柱。现今,我国绝大部分商业银行都已开展中间业务,但是在运营过程中出现的各种问题,导致中间业务未能发挥应有的作用。本文试图在对世界先进国家商业银行中间业务发展研究的基础上,对我国商业银行中间业务发展状况进行梳理,并结合作者个人工作经验,选择中信银行这样一家典型的商业银行作为案例进行分析,最后提出我国商业银行中间业务发展建议。全文共分为五个章节。第一章绪论部分,交待了作者的研究背景和课题研究意义,并对论文的框架以及研究方法进行了叙述,最后对中间业务的相关概念进行了阐述,并阐述了发展中间业务的重要性。第二章中,作者对国外商业银行的中间业务发展状况进行了概述。首先对先进国家中间业务发展现状及其亮点进行了分析,随后选取美国以及欧洲的英、德、法为代表,分别分析各国银行业中间业务政策环境、发展现状以及市场特点等。第三章主要讨论了我国商业银行中间业务发展情况。首先对我国商业银行中间业务发展现状进行了概括。随后通过与先进国家商业银行中间业务发展进行对比,找出差距所在,并对国内商业银行中间业务热点问题进行了探讨。同时探讨分析了我国商业银行中间业务发展过程中面临的转变。第四章,作者结合自身多年从业经验,对中信银行中间业务发展情况进行了详细介绍,包括目前发展现状、总体经营情况等,并相应地提出了发展建议。第五章中,通过上文的研究,作者总结得出我国银行中间业务发展的建议:从策略上来讲,应依托流程优化与创新,着力推动重点产品发展;细分客户、差异营销,踏实做好有效客户;优化创新机制,着重培养全系统的创新能力。具体措施包括持续拓展客户,加强支持保障体系建设;加强产品及管理,拓宽收入来源;落实联系人制度,加强组织推动;加强营销,强化管理,促进各项产品持续发展。
[Abstract]:With the gradual opening up of the financial industry in our country, the living environment of domestic commercial banks is constantly changing, and the profit space of traditional asset-liability business is becoming smaller and smaller. Intermediary business has become a new profit growth point of commercial banks. At present, intermediary business and assets business, liability business has become one of the three pillars of bank business. It is an important pillar for Chinese commercial banks to face the competition of commercial banks in western developed countries, to meet the challenge of globalization and to improve their own economic strength. Nowadays, most commercial banks in our country have carried out intermediate business. However, various problems in the operation process, resulting in the intermediary business failed to play its due role. This paper attempts to study the development of intermediate business in the advanced countries of the world on the basis of commercial banks. Combing the development of intermediary business of commercial banks in China and combining the author's personal work experience, this paper chooses CITIC Bank as a typical commercial bank as a case study. In the end, the author puts forward some suggestions for the development of the intermediate business of commercial banks in China. The thesis is divided into five chapters. The first chapter is the introduction, which explains the author's research background and significance of the research. And the framework of the paper and research methods are described. Finally, the related concepts of intermediary business are expounded, and the importance of developing intermediate business is expounded. Chapter two. The author gives an overview of the development of intermediary business in foreign commercial banks. Firstly, the author analyzes the status quo and bright spots of intermediate business in advanced countries, and then selects the United States and the United States, Germany and France as the representatives. Analyze the policy environment of banking intermediary business in different countries. The third chapter mainly discusses the development of intermediate business of Chinese commercial banks. Firstly, it generalizes the present situation of the development of intermediate business of commercial banks in our country. Compare the development of intermediary business. Find out where the gap lies, and discuss the hot issues of domestic commercial banks intermediary business. At the same time, it analyzes the changes in the development process of commercial banks in China. 4th chapter. The author introduces the development of CITIC Bank's intermediate business in detail, including the current development situation, the overall operating situation and so on, and puts forward the corresponding development suggestions in Chapter 5th. Through the research above, the author summarizes the suggestions for the development of intermediate business in China's banks: strategically speaking, we should rely on process optimization and innovation to promote the development of key products; Subdivide customers, differential marketing, do a good job of effective customers; Optimize the innovation mechanism and focus on cultivating the innovation ability of the whole system. The specific measures include the continuous expansion of customers, strengthening the construction of support security system; Strengthen the products and management, broaden the source of income; Implement the contact person system and strengthen the organization promotion; Strengthen marketing, strengthen management, promote the sustainable development of various products.
【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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