中国工商银行营口分行个人理财业务现状分析及对策研究

发布时间：2018-06-08 13:27

本文选题：工商银行营口分行 + 个人理财　；参考：《东北大学》2014年硕士论文

【摘要】：截至2013年末,营口市金融机构数量达到25家,根据经济发展及居民消费特点,各家银行纷纷将战略目标向服务于广大百姓的个人理财业务转型,个人理财业务成为了银行竞相追逐个人中高端客户、优质客户以及利润的焦点。中国工商银行股份有限公司营口分行个人理财业务面临前所未有的市场竞争压力,这种压力既来自于其他股份制商业银行在产品创新、激励机制等方面的冲击和超越,也来自于国有商业银行在经营理念、组织架构等方面日益深化的改革所带来的竞争威胁,更有包括外资银行在内的潜在竞争者带来的严峻挑战。本文试图从国内外个人理财业务比较分析入手,借鉴国内外有关国家和地区个人理财业务的发展经验,结合工商银行营口分行个人理财业务的发展现状,指出工商银行营口分行个人理财业务中的机会及面对的挑战,在个人理财业务上将工商银行营口分行与营口地区其他商业银行进行对比,并对工商银行营口分行发展中存在的问题进行分析,在此基础上,结合实际情况,提出完善工商银行营口分行个人理财业务管理的对策及措施。
[Abstract]:By the end of 2013, the number of financial institutions in Yingkou City had reached 25. According to the characteristics of economic development and residents' consumption, banks have transformed their strategic objectives into personal financial services that serve the general public. Personal finance business has become the focus of banks chasing high-end customers, high-quality customers and profits. Yingkou Branch of Industrial and Commercial Bank of China (ICBC) is facing unprecedented market competition pressure, which comes from the impact and transcendence of other joint-stock commercial banks in product innovation and incentive mechanism. It also comes from the competitive threat brought by the deepening reform of state-owned commercial banks in the aspects of management concept, organizational structure and so on. There are also severe challenges brought by potential competitors, including foreign banks. This paper tries to start with the comparative analysis of personal finance business at home and abroad, draw lessons from the development experience of the relevant countries and regions at home and abroad, and combine the current situation of personal finance business development of Yingkou Branch of Industrial and Commercial Bank of China. This paper points out the opportunities and challenges in the personal finance business of Yingkou Branch of ICBC, and compares the Yingkou Branch of ICBC with other commercial banks in Yingkou area. Based on the analysis of the problems existing in the development of Yingkou Branch of ICBC, the author puts forward the countermeasures and measures to improve the personal finance business management of Yingkou Branch of ICBC.
【学位授予单位】：东北大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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