新常态下工行扬州分行国际业务经营转型研究

发布时间：2018-01-14 14:21

本文关键词：新常态下工行扬州分行国际业务经营转型研究　出处：《扬州大学》2017年硕士论文　论文类型：学位论文

【摘要】：在经济新常态的影响下,随着我国银行业全面放开,整个行业面临着前所未有的机遇和挑战。商业银行国际业务具有经济资本占用低、收益高的特点,是现代商业银行获取中间业务利润和向国外拓展营销的重要手段,它对银行扩大市场、增加收入都有着不可替代的重要作用,是各家商业银行的兵家必争之地。中国工商银行,世界五百强企业之一,要保持并进一步强化龙头老大的地位,必须进一步做强做大国际业务。为了满足新常态下的发展要求、提高盈利能力、应对严峻市场竞争和满足客户日益多样化的金融需求,工行扬州分行国际业务经营必须进行转型。面对新形势,商业银行的国际业务如何理清思路,把握新机遇、谋求新突破、实现新发展,需要进行深入思考、准确判断、科学转型。本文围绕经营转型这一核心问题,找出目前工行扬州分行国际业务经营存在的各种问题,探究问题存在的原因,再通过调查分析,结合经营转型的实施条件,提出转型内容,即理念转型、管理转型与营销转型,阐明方案实施所需要的四项保障措施,分别是资金费用保障、人力资源保障、内部控制保障和技术保障。本文结合企业实际,采用五力模型分析、SWOT分析等工具对工行扬州分行国际业务经营现状、所处竞争环境、转型实施的条件进行了有效论证,利用对客户需求的调查分析,提出了可行性的转型方案,具有较强的操作性,实施后将会极大提升市场竞争力,对于中国工商银行扬州分行国际业务实现可持续、快速、健康发展具有十分重要的理论及现实意义。
[Abstract]:The impact of the economic new normal, with full liberalization of China's banking industry, the whole industry is facing the hitherto unknown opportunities and challenges. The international business of commercial bank has low capital occupation, high return characteristics, is the modern commercial banks acquiring business profits and expand an important means of marketing to abroad, it on the bank to expand the market. Increase revenue plays an irreplaceable important role in the commercial banks of the military is a hotly contested spot. ICBC, one of the world's top five hundred enterprises, to maintain and further strengthen the big boss position, must further expand international operations. In order to meet the development of the new normal requirements, improve profitability, cope with the severe market competition and meet the increasingly diversified customer financial needs, ICBC Yangzhou branch of the international business needs transformation. Facing the new situation, the international commercial bank How to clarify ideas, seize new opportunities and seek new breakthroughs and achieve new development, the need for in-depth thinking, accurate judgement, scientific transformation. This paper focuses on the business transformation of the core problem, find out the existing problems of ICBC Yangzhou branch of the international business exists, explores the reasons of existing problems, through investigation and analysis, combined with the implementation of the conditions of business restructuring, the transformation of the content, namely the concept of transformation, transformation and transformation of marketing management, clarify the implementation plan required four safeguards, namely capital costs, human resources security, internal control security and technical support. This paper combined with the actual analysis of the five forces model, SWOT analysis and other tools to work for the status quo of international business of Yangzhou branch, the competitive environment, the transformation of the conditions of implementation effectively demonstrated, using investigation and analysis of customer demand, put forward the feasibility The transformation plan has strong operability. After implementation, it will greatly enhance the competitiveness of the market. It is of great theoretical and practical significance for ICBC Yangzhou branch to achieve sustained, rapid and healthy development of international business.

【学位授予单位】：扬州大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

【参考文献】