中国工商银行零售银行业务的发展创新路径

发布时间：2018-02-16 16:02

本文关键词： 零售业务商业银行转型　出处：《厦门大学》2014年硕士论文　论文类型：学位论文

【摘要】：商业银行的零售业务是相对于公司金融业务而言,以个人、家庭为主要服务对象,向其提供综合、多方面、多功能的金融产品和服务。随着我国金融市场开放步伐的加快,科技网络应用水平的提升,居民金融服务需求市场的扩大,零售银行业务的转型发展将有利于业务结构的优化和经营业绩的提升。本文在对现有文献和理论进行梳理的基础上,通过对海内外零售银行业务的经营现状进行总结对比,剖析了国内零售银行在经营理念、发展模式和内控管理方面存在的不足,明确了我国零售银行业务创新转型的主要研究方向。通过选取国内以招商银行为代表的零售银行的发展经验作为研究样本,总结出招行“产品创新、市场细分、科技为本”等零售业务经营思路,并提出国内银行零售业务发展应充分利用现代网络科技力量、发挥同业产品互补优势、加大产品组合创新。同时,本文结合工行零售业务自身特点,展望在经济结构调整、中国城镇化推进、金融体制改革的时代背景下工行零售业务面临的发展机遇,也指出工行在信息技术变革、海外业务竞争、专业人才瓶颈等方面面临的挑战,进而提出工行零售业务应在客户管理、产品管理、渠道管理三条主线进行转型的策略。最后,从实务角度对零售业务在产品营销、渠道分布、组织机构三个领域进行创新转型提出具体实施建议,积极构建我国零售银行业务“以客户为中心”的外部营销服务体系和内部组织结构,提高国内零售银行对目标市场与优质客户的掌控能力。
[Abstract]:The retail business of commercial banks is relative to the corporate financial business, taking individuals and families as the main service objects, providing them with comprehensive, multi-faceted and multi-functional financial products and services. With the acceleration of the pace of opening up the financial market in our country, The improvement of the application level of science and technology network, the expansion of the resident financial service demand market, the transformation and development of the retail banking business will benefit the optimization of the business structure and the improvement of the business performance. On the basis of combing the existing literature and theory, this paper summarizes and compares the present management situation of domestic and overseas retail banks, and analyzes the shortcomings of domestic retail banks in the aspects of management concept, development model and internal control management. This paper clarifies the main research direction of innovation transformation of retail banking in China. Through selecting the development experience of retail banks represented by China Merchants Bank as the research sample, it summarizes the product innovation and market segmentation of China Merchants Bank. This paper puts forward that the development of retail business of domestic banks should make full use of modern network science and technology, give full play to the complementary advantages of the products of the same industry, and increase the innovation of product mix. At the same time, according to the characteristics of the retail business of ICBC, this paper looks forward to the development opportunity of the retail business of ICBC in the context of the economic restructuring, the advancement of China's urbanization and the reform of the financial system, and points out that ICBC is changing in information technology. Overseas business competition, professional talent bottleneck and other challenges, and then put forward the ICBC retail business should be in customer management, product management, channel management three main lines of transformation strategy. From the practical point of view, the paper puts forward some concrete suggestions for the innovation and transformation of retail business in the three fields of product marketing, channel distribution and organization. In order to improve the ability of domestic retail banks to control the target market and the high quality customers, the external marketing service system and internal organization structure of the retail banking business of our country should be set up with "customer as the center".
【学位授予单位】：厦门大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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