光大银行天津分行产品创新战略与实施研究

发布时间：2018-01-16 09:43

本文关键词：光大银行天津分行产品创新战略与实施研究　出处：《天津大学》2014年硕士论文　论文类型：学位论文

【摘要】：随着居民财富的大幅提升、金融业全面对外开放及市场竞争日渐激烈，人们对银行理财产品的需求也越来越强烈，银行的战略转型也日渐提上日程。如何进一步提升我国商业银行的业务品牌，以创新的理念丰富品牌的内涵，扩大品牌的知名度、影响力，提升商业银行的核心竞争力，成为我国银行业亟待解决的研究课题。中国光大银行天津分行作为天津地区有影响力的股份制商业银行，将业务发展、内部管理、风险防范三措并举，也面临着由传统型银行业务向新型业务转型的需要，如何正确的建立与之相适应的创新产品显得非常重要。在此背景下，本文尝试分析光大银行天津分行的业务转型及创新模式，从理论到实践进行研究，就创新作为总揽全局的战略高度，结合光大银行金融开展的实践活动，运用金融创新的相关理论，分析光大银行天津分行产品创新战略与实施策略。首先，本文通过查阅历史资料，研究金融创新的基本概念、理论假说、发展动因等理论基础，掌握目前商业银行产业创新战略及现阶段商业银行的创新研究现状，构建金融产品创新的基本理论框架；其次，通过案例研究方法，以美国、英国、西班牙商业银行的创新模式为基本素材，对比分析我国商业银行金融创新的现状。第三，以中国光大银行天津分行的历史现状及战略选择为切入点，阐述目前存在的创新问题。以期解决光大银行金融产品未来发展的关键性因素，寻求合适的创新模式。最后，针对创新战略的问题与挑战，结合其他理财产品的发展优势，对天津分行提出可实施的战略路径及政策建议，，从而加速金融产品创新，以期保证现有业务的稳定健康发展，为今后的工作实践提供参考与借鉴。
[Abstract]:With the substantial improvement of the wealth of the residents, the financial industry is fully open to the outside world and the market competition is becoming more and more fierce, and the demand for banking financial products is becoming more and more intense. The strategic transformation of the bank is also increasingly on the agenda. How to further enhance the business brand of commercial banks in China, with innovative ideas to enrich the connotation of the brand, expand brand awareness, influence. Improving the core competitiveness of commercial banks has become a research topic to be solved urgently in China's banking industry. As an influential joint-stock commercial bank in Tianjin, Everbright Bank of China Tianjin Branch develops its business and manages it internally. The three measures of risk prevention are also facing the need of transforming from traditional banking business to new business. It is very important to correctly establish innovative products that adapt to it. In this context, this paper tries to analyze the business transformation and innovation model of Everbright Bank Tianjin Branch, from theory to practice, on innovation as the overall strategic height. Combined with the practical activities of Everbright Bank Finance, this paper analyzes the product innovation strategy and implementation strategy of Everbright Bank Tianjin Branch by using the relevant theory of financial innovation. First, this paper looks up historical data. Study the basic concept of financial innovation, theoretical hypothesis, development motivation and other theoretical basis, grasp the current commercial bank industry innovation strategy and the current situation of commercial bank innovation research. Constructing the basic theoretical framework of financial product innovation; Secondly, through the case study method, taking the American, British and Spanish commercial banks' innovation model as the basic material, compares and analyzes the present situation of our country's commercial banks' financial innovation. Third. Based on the historical situation and strategic choice of Tianjin Branch of Everbright Bank of China, this paper expounds the existing innovative problems in order to solve the key factors for the future development of financial products of Everbright Bank. Seek suitable innovation mode. Finally, aiming at the problems and challenges of innovation strategy, combined with the development advantages of other financial products, the paper puts forward the feasible strategic path and policy recommendations to Tianjin Branch, so as to accelerate the innovation of financial products. In order to ensure the stable and healthy development of existing business, and provide reference for future work practice.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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