中国xx银行xx分行对公资金结算业务发展研究

发布时间：2018-05-25 14:52

本文选题：商业银行 + 资金结算业务　；参考：《首都经济贸易大学》2014年硕士论文

【摘要】：随着现代经济市场环境的改变和银行的改革,资金结算业务日益成为商业银行中间业务收入的重要来源,它也是商业银行品牌的象征和核心竞争力的重要体现。本文首先阐述对公资金结算业务的内容和特点。以大型国有商业银行中国xx银行xx分行为例,以调查研究为研究方法,结合自身的实际日常工作,对银行对公资金结算业务的发展进行研究。结合对公资金结算业务在支付结算业务、资金结算产品及其营销和现金管理服务三个方面的发展现状,研究发现、探讨其存在的问题和风险,并且研究实际案例、设计其应用方案,进行更加深入地讨论。针对以上各方面地综合分析,为进一步发展中国xx银行xx分行的资金结算业务,本文针对这三方面资金结算业务内容给出相关几点建议：加强核算管理,提高核算质量；推广电子支付结算方式,提高业务效率；强化产品营销,重视产品体验；利用产品组合,为客户提供便捷高效服务；加强产品创新,促进产品差异化；拓宽服务对象,完善现金管理服务产品组织架构体系；现金管理服务业务创新,以适应金融工具的快速发展。
[Abstract]:With the change of modern economic market environment and the reform of banks, the fund settlement business has become an important source of intermediate business income for commercial banks. It is also an important symbol of commercial banks' brand and an important embodiment of their core competitiveness. This paper first describes the content and characteristics of the public fund settlement business. Taking xx branch of xx Bank of China as an example, taking the investigation and research as the research method and combining with its daily work, this paper studies the development of the bank's settlement business of public funds. Combined with the development of the public fund settlement business in the payment settlement business, fund settlement products and their marketing and cash management services, the research found, discussed its problems and risks, and studied the actual cases. Design its application scheme, carry on more in-depth discussion. According to the comprehensive analysis of the above aspects, in order to further develop the fund settlement business of xx branch of xx Bank of China, this paper gives some relevant suggestions for these three aspects: strengthening the accounting management and improving the accounting quality; Promote electronic payment and settlement methods to improve business efficiency; strengthen product marketing, attach importance to product experience; use product mix to provide customers with convenient and efficient services; strengthen product innovation, promote product differentiation; broaden service objects, Perfect the organization system of cash management service products, innovate the cash management service business to adapt to the rapid development of financial instruments.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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