N国有商业银行中间业务收费运营管理研究

发布时间：2018-05-18 19:15

本文选题：商业银行 + 中间业务收费　；参考：《中国地质大学(北京)》2017年硕士论文

【摘要】：目前,我国商业银行内外部环境发生根本性变革,受资本约束、金融脱媒和利率市场化影响,商业银行传统资产负债业务日趋萎缩。中间业务作为不构成表内资产负债的非利息收入业务,逐渐成为商业银行收益重要来源及未来竞争发展的关键领域。随之而来出现的不透明、价质不符等“乱收费”现象,给银行带来信任危机和名誉风险。如何发挥运营管理这一企业重要手段,发现并解决目前商业银行中间业务收费存在的弊端,创新产品、合理定价、规范收费,利用“价格”杠杆优化客户结构、提升服务水平,已经成为商业银行亟待研究的重点课题。本文以N银行中间业务收费运营管理为研究对象,通过问卷调查的方法发现现有部分环节存在一定的不足,运用实证分析法、经验借鉴法、系统分析法等工具,借鉴工商银行成功经验,对N银行中间业务收费运营管理体系进行了改进设计。本文的研究结论是:(1)发现并分析N银行价格制定忽略成本、差异化不足、收费减免不计成本、存在部门银行壁垒、人才培养滞后、科技支撑缺乏、风险防范不全面等问题;(2)运用借鉴工商银行成功经验,提出一套包括差异化定价管理、部门及职能调整、系统研发、人才培养、风险防范等方面的改进方案。
[Abstract]:At present, the internal and external environment of commercial banks in China has undergone fundamental changes, subject to capital constraints, financial disintermediation and interest rate marketization, commercial banks' traditional asset-liability business is shrinking day by day. As a non-interest income business which does not constitute the balance sheet assets and liabilities, intermediate business has gradually become an important source of income for commercial banks and a key area for the development of future competition. The following phenomena such as opacity, mismatch of price and quality bring trust crisis and reputation risk to banks. How to give full play to operation and management as an important means of enterprise, to find and solve the drawbacks of intermediate business charges of commercial banks at present, to innovate products, to price reasonably, to standardize fees, to use "price" lever to optimize customer structure, and to improve service level. Commercial banks have become the focus of research. This article takes N bank intermediate business charge management as the research object, through the questionnaire survey method, finds that the existing part of the link has some shortcomings, uses the empirical analysis method, the experience reference method, the system analysis method and so on tool, and so on. Based on the successful experience of ICBC, the management system of charge management for intermediate business of N Bank is improved and designed. The research conclusion of this paper is: (1) find and analyze that N bank's price setting neglects the cost, the difference is insufficient, the charge is reduced or reduced regardless of the cost, there are departmental bank barriers, talent training lags behind, and science and technology support is lacking. Using the successful experience of ICBC for reference, this paper puts forward a set of improvement schemes including differential pricing management, department and function adjustment, system research and development, talent training, risk prevention and so on.
【学位授予单位】：中国地质大学(北京)
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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