包商银行个人金融业务竞争力研究

发布时间：2018-10-09 20:56

【摘要】：近年来随着人们的物质生活水平逐步提高，，私人财富开始不断积累，人们对投资理财的关注度不断加大，个人金融业务越来越受到商业银行的追捧，商业银行开始将个人金融业务重点放在个人以及家庭为主的金融产品的设计和研发，正因如此，个人金融业务在商业银行的整个盈利额所占据的份额在不断的增长，一时间个人金融业务成为商业银行重要的业务，也是最重要的盈利性业务。近年来，包头作为重要的工业城市，个人金融资产在结构和总量方面有了重大的变革，对于包商银行来讲，是发展个人金融业务难得的机遇。个人经济收入和个人财富的不断积累，势必会对个人金融业务提出更高的要求，同时也为包商银行发展个人金融业务提供了更加广阔的市场空间。本文以包商银行个人金融业务竞争力为研究对象，运用文献综述法研究了个人金融业务国内外研究现状和相关理论，以此为基础运用PEST研究模型和SWOT分析法研究了包商银行个人金融业务发展的内外环境，运用实证分析法对包商银行个人金融业务竞争力现状进行了系统分析，指出包商银行个人金融业务发展中在内部控制制度方面和人力资源管理方面需要进一步加强，最后结合国内外商业银行个人金融业务研究现状和相关理论，提出了包商银行个人金融业务竞争力的提升对策：一是进行客户细分拓展潜在贵宾客户，进一步提升盈利能力，按照不同客户需求将客户划分为四种细分客户，分别是普通客户、中端客户、高端客户和高净值私人客户，通过对客户的细分，针对不同客户需求提供不同的产品和服务，以此进一步提升包商银行个人金融业务盈利能力。二是健全和完善公司治理结构，三是大力挖掘潜在竞争力，培育核心竞争力。本文的研究对包商银行个人金融业务的发展是一个新的定位，对于包商银行明确未来的发展目标和思路，更好的提供个性化服务水平，实现差异化竞争力的提升，拓展市场等各个方面都有十分重要的现实意义。
[Abstract]:In recent years, with the gradual improvement of people's material living standards, private wealth began to accumulate, people pay more and more attention to investment and financial management, and personal financial business is more and more sought after by commercial banks. Commercial banks begin to focus their personal financial business on the design and development of individual and family-oriented financial products. As a result, the share of individual financial business in the total profits of commercial banks is constantly growing. Personal financial business has become an important business of commercial banks, but also the most important profitable business. In recent years, Baotou as an important industrial city, personal financial assets in the structure and total amount of major changes, for the contractor banks, the development of personal financial business is a rare opportunity. The accumulation of personal income and personal wealth is bound to put forward higher requirements for personal financial business, but also provides a broader market space for the contractor bank to develop personal financial business. This paper takes the competitiveness of individual financial business of the contractor bank as the research object, and studies the domestic and foreign research status and related theories of personal financial business by the method of literature review. On this basis, this paper studies the internal and external environment of the development of individual financial business of the contractor bank by using the PEST research model and the SWOT analysis method, and makes a systematic analysis of the current situation of the individual financial business competitiveness of the contractor bank by using the empirical analysis method. It is pointed out that the internal control system and human resource management should be further strengthened in the development of individual financial business of the contractor bank. Finally, combined with the current research situation and relevant theories of personal financial business of commercial banks at home and abroad, This paper puts forward the countermeasures to enhance the competitiveness of individual financial business of the contractor bank: first, to expand the potential VIP customers by customer segmentation, to further enhance profitability, and to divide the customers into four subdivision customers according to different customer needs. They are ordinary customers, middle end customers, high-end customers and high net worth private customers. Through the subdivision of customers, different products and services are provided according to different customer needs, so as to further enhance the profitability of individual financial business of the contractor bank. The second is to perfect and perfect the corporate governance structure, the third is to tap the potential competitiveness and cultivate the core competitiveness. The research of this paper is a new orientation for the development of the individual financial business of the contractor bank. It is clear to the contractor bank the future development goal and the train of thought, provides the individualized service level better, realizes the differentiation competitive power enhancement. Expanding the market and other aspects have very important practical significance.
【学位授予单位】：内蒙古财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

【参考文献】