A银行B分行投资银行业务现状分析及发展策略研究
发布时间：2018-08-17 17:14
【摘要】：中国经济的快速发展带动了金融业的发展与金融产品多样化,在利率市场化日趋明朗、资本约束增强、融资结构调整等政策环境与行业背景下,投资银行业务为商业银行的业务结构变革提供了一条新的路径。A银行也在经历类似转型,B分行作为A银行在投资银行业务领域发展较快的一级分行,其投行业务的经营现状直接影响着分行投行业务的运营绩效和总行投行业务的战略规划。本文研究之重点,正是对A银行B分行投资银行业务的现状进行体系化分析,并据此为该业务发展提供相应的策略建议,以期协助促进B分行投资银行业务的发展。为此,本文综合采用SWOT分析法、PEST分析法和BSC分析法,对B分行投行业务现状通过16个维度和40个描述点进行详细分析,旨在确立投资银行业务战略定位,进一步据以提出业务提升的具体策略。现状分析结果表明,B分行投行业务处于良性发展态势,机遇与威胁等环境因素具有转化可能,内部能力的优劣则主要体现于客户方面,故其现状可表示为S-C-O-E的形式,即充分发挥自有优势,特别是在客户和营销方面的优势,并同时外部经济影响的机遇因素,实现企业的持续发展。本文包括7部分内容:第一部分是绪论,主要阐述了本文的研究背景、研究意义、研究目的、研究方法和主要创新点;第二部分是文献综述,着重从商业银行开展投行业务的理论基础、投行业务的国际比较分析和国内商业银行从事投资业务的历史与经验角度全面展示了目前商业银行开展投资银行业务的研究成果,并在此基础上提出现有研究不足和本文切入点;第三部分则对A银行B分行投资银行业务进行了概述;第四部分通过SWOT、PEST和BSC等多种分析工具,对A银行B分行的投资银行业务进行了战略分析;之后,第五部分则针对性的提出目前A银行B分行发展投资银行业务中在发展策略中存在的问题;并在第六部分中提出提升策略;第七部分对本文研究整体过程和主要内容进行了总结,并就未来研究提出展望。针对目前B分行投行业务发展策略的实际情况和现存问题,本文从产品、客户营销、内控、学习和财务角度等方面针对性地提出几点具体的提升策略,其一是厘清产品线,明晰侧重点;其二是优化营销形式,善用内外资源;其三是强化风险控制,提升精细管理;其四是提高培训质量,加强队伍建设;其五是提升管理整体协同并注重间接职能影响;其六是明确总行资金池资产配置策略;其七是制定产品创新策略;其八是严格把握内部风险控制确保理财资金安全兑付。
[Abstract]:The rapid development of China's economy has led to the development of the financial industry and diversification of financial products. In the context of the policy environment and industry background, such as the interest rate marketization, the strengthening of capital constraints and the adjustment of the financing structure, etc. Investment banking provides a new path for the structural transformation of commercial banks. Bank A is also undergoing a similar transformation of branch B as a first-tier branch of Bank A in the field of investment banking. The operating status of its investment banking business directly affects the operating performance of branch investment banking business and the strategic planning of head bank investment banking business. The focus of this paper is to systematize the present situation of investment banking business in Bank A B Branch, and provide corresponding suggestions for the development of this business in order to help promote the development of investment banking business in B Branch. Therefore, this paper adopts SWOT analysis method, pest analysis method and BSC analysis method to analyze the present situation of investment banking business in B branch in detail through 16 dimensions and 40 description points, in order to establish the strategic orientation of investment banking business. On the basis of this, the specific strategy of business promotion is put forward. The results show that the investment banking business of B branch is in a benign development situation, the environmental factors such as opportunity and threat have the possibility of transformation, and the advantages and disadvantages of internal capability are mainly reflected in the customers, so its present situation can be expressed as the form of S-C-O-E. That is to give full play to their own advantages, especially in the customer and marketing aspects, and at the same time external economic impact of the opportunity factors, to achieve sustainable development of enterprises. This article includes seven parts: the first part is the introduction, mainly elaborated the research background, the research significance, the research goal, the research method and the main innovation point, the second part is the literature review, Focusing on the theoretical basis of investment banking business, the international comparative analysis of investment banking business and the history and experience of domestic commercial banks in investment business, the paper comprehensively shows the research results of investment banking business carried out by commercial banks at present. On the basis of this, the paper puts forward the deficiency of the existing research and the breakthrough point of this paper; the third part summarizes the investment banking business of Bank A B Branch; the fourth part uses SWOTPEST and BSC and other analysis tools. After the strategic analysis of the investment banking business of the A Bank B Branch, the fifth part points out the problems existing in the development strategy of the A Bank B Branch. In the sixth part, the promotion strategy is proposed. In the seventh part, the whole process and main contents of this study are summarized, and the prospect of future research is put forward. In view of the actual situation and existing problems of investment banking business development strategy in B Branch at present, this paper puts forward several specific promotion strategies from the aspects of product, client marketing, internal control, learning and finance. One is to clarify the product line. The second is to optimize the marketing form and make good use of internal and external resources; the third is to strengthen risk control and improve fine management; the fourth is to improve the quality of training and strengthen the team building; The fifth is to enhance the overall coordination of management and pay attention to the indirect function; its sixth is to make clear the asset allocation strategy of the capital pool of the head office; its seventh is to formulate product innovation strategy; its eighth is to strictly grasp the internal risk control to ensure the safe payment of financial funds.
【学位授予单位】：兰州交通大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2
本文编号：2188333
[Abstract]:The rapid development of China's economy has led to the development of the financial industry and diversification of financial products. In the context of the policy environment and industry background, such as the interest rate marketization, the strengthening of capital constraints and the adjustment of the financing structure, etc. Investment banking provides a new path for the structural transformation of commercial banks. Bank A is also undergoing a similar transformation of branch B as a first-tier branch of Bank A in the field of investment banking. The operating status of its investment banking business directly affects the operating performance of branch investment banking business and the strategic planning of head bank investment banking business. The focus of this paper is to systematize the present situation of investment banking business in Bank A B Branch, and provide corresponding suggestions for the development of this business in order to help promote the development of investment banking business in B Branch. Therefore, this paper adopts SWOT analysis method, pest analysis method and BSC analysis method to analyze the present situation of investment banking business in B branch in detail through 16 dimensions and 40 description points, in order to establish the strategic orientation of investment banking business. On the basis of this, the specific strategy of business promotion is put forward. The results show that the investment banking business of B branch is in a benign development situation, the environmental factors such as opportunity and threat have the possibility of transformation, and the advantages and disadvantages of internal capability are mainly reflected in the customers, so its present situation can be expressed as the form of S-C-O-E. That is to give full play to their own advantages, especially in the customer and marketing aspects, and at the same time external economic impact of the opportunity factors, to achieve sustainable development of enterprises. This article includes seven parts: the first part is the introduction, mainly elaborated the research background, the research significance, the research goal, the research method and the main innovation point, the second part is the literature review, Focusing on the theoretical basis of investment banking business, the international comparative analysis of investment banking business and the history and experience of domestic commercial banks in investment business, the paper comprehensively shows the research results of investment banking business carried out by commercial banks at present. On the basis of this, the paper puts forward the deficiency of the existing research and the breakthrough point of this paper; the third part summarizes the investment banking business of Bank A B Branch; the fourth part uses SWOTPEST and BSC and other analysis tools. After the strategic analysis of the investment banking business of the A Bank B Branch, the fifth part points out the problems existing in the development strategy of the A Bank B Branch. In the sixth part, the promotion strategy is proposed. In the seventh part, the whole process and main contents of this study are summarized, and the prospect of future research is put forward. In view of the actual situation and existing problems of investment banking business development strategy in B Branch at present, this paper puts forward several specific promotion strategies from the aspects of product, client marketing, internal control, learning and finance. One is to clarify the product line. The second is to optimize the marketing form and make good use of internal and external resources; the third is to strengthen risk control and improve fine management; the fourth is to improve the quality of training and strengthen the team building; The fifth is to enhance the overall coordination of management and pay attention to the indirect function; its sixth is to make clear the asset allocation strategy of the capital pool of the head office; its seventh is to formulate product innovation strategy; its eighth is to strictly grasp the internal risk control to ensure the safe payment of financial funds.
【学位授予单位】：兰州交通大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2
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