中国农业银行宁夏分行中间业务经营策略研究

发布时间：2018-04-14 18:28

本文选题：农行宁夏分行 + 中间业务　；参考：《宁夏大学》2014年硕士论文

【摘要】：随着利率市场化进程加快,互联网金融的风生水起,商业银行必须靠转型,必须靠创新提高引领市场、服务客户的能力,当前国际国内经济金融形势复杂多变,同业竞争日趋激烈,在公司业务投行化,负债业务理财化的态势下,只有不断提升客户价值,大力拓展中间业务,农业银行才能为国民经济发展提供更有力的支撑,才能更好的回报股东和社会,农业银行的社会地位和价值才能得到公众的认可和支持。农行宁夏分行中间业务收入占比不足15%,与发发达国际和发达省份的商业银行相比,差距较大,因此,对农行宁夏分行中间业务如何走,怎么走的经营策略进一步深入研究成为必要的课题。本文基于商业银行管理理论和市场营销理论,选取了农行宁夏分行、建行宁夏分行、中行宁夏分行、工行宁夏分行近三年的中间业务发展情况、发展重点,从宏观经济走势、行业发展趋势和内部环境三个维度对农行宁夏分行中间业务发展中存在的问题和成因行了较为详细的研究和论述。运用SWOT分析方法对农行宁夏分行中间业务经营发展优势、劣势、机遇和挑战进行了比较分析,在借鉴利率市场化期间发达国家中间业务发展经验和同业先进做法的基础上,有针对性的提出农行宁夏分行中间业务经营策略的改进思路和原则,并提出了具体发展建议。提出要进一步健全中间业务组织机构,加强中间业务市场细分,加快中间业务产品创新升级。同时要优化考核指标设置,借助考核的指挥棒效应,激励各经营行发挥本区的比较优势,加强综合营销,交叉营销,深度营销,满足客户的个性化需求。在巩固传统中间业务发展的基础上,加快人才培养,鼓励全员创新,推动新兴中间业务、热点中间业务快速发展等具体建议。
[Abstract]:With the acceleration of the interest rate marketization process and the rise of Internet finance, commercial banks must rely on transformation, must rely on innovation to improve their ability to lead the market and serve customers. The current international and domestic economic and financial situation is complex and changeable.The competition among the same industry is becoming more and more intense. Under the situation of investment banking of company business and financing of debt business, only by continuously enhancing customer value and expanding intermediary business, can Agricultural Bank provide more powerful support for the development of national economy.In order to repay shareholders and society better, the social status and value of Agricultural Bank can be recognized and supported by the public.Agricultural Bank of China Ningxia branch accounts for less than 15% of the income of intermediate business. Compared with the commercial banks in developed countries and developed provinces, the gap is quite large. Therefore, how to take the intermediary business of the Ningxia branch of Agricultural Bank of China?How to follow the management strategy further in-depth study becomes the necessary topic.Based on the management theory of commercial banks and marketing theory, this paper selects the intermediary business development of Agricultural Bank of China Ningxia Branch, Construction Bank Ningxia Branch, Bank of China Ningxia Branch, ICBC Ningxia Branch in the past three years, and focuses on the development from the macroeconomic trend.In this paper, the problems and causes of the middle business development of Agricultural Bank of Ningxia Branch are studied and discussed in detail from the three dimensions of industry development trend and internal environment.This paper makes a comparative analysis of the advantages, disadvantages, opportunities and challenges of the intermediary business development of Agricultural Bank of Ningxia Branch by using the SWOT analysis method, on the basis of drawing lessons from the experience of the intermediate business development in developed countries during the period of interest rate marketization and the advanced practices of the same industry.This paper puts forward the improving ideas and principles of the intermediate business strategy of Agricultural Bank of Ningxia Branch, and puts forward some concrete development suggestions.It is necessary to further perfect the organization of intermediate business, strengthen the market segmentation of intermediate business, and accelerate the innovation and upgrading of intermediate business products.At the same time, it is necessary to optimize the setting of the assessment index, with the help of the baton effect of the examination, to encourage the operation banks to give play to their comparative advantages, strengthen the comprehensive marketing, cross-marketing and deep marketing, and meet the individual needs of the customers.On the basis of consolidating the development of traditional intermediary business, it is necessary to speed up the training of talents, encourage all staff to innovate, promote the new intermediate business, and accelerate the development of hot intermediate business.
【学位授予单位】：宁夏大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

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