XX银行青岛分行同业业务战略研究

发布时间：2018-07-24 19:26

【摘要】：2008年之后,由于社会经济发展形势较差,信贷规模不断减少,资本制约越来越强,资金需求越来越大,银行业传统公司业务愈发困难,从而使得商业银行不断扩张同业业务。大量实践证明,同业业务的开展能够有效增加商业银行的获利途径与获利能力。当前,同业业务变成银行业务范围领域里必不可少的关键部分。然而,伴随同业业务的快速发展,出现了很多不容忽视的问题,如货币市场流通性时时趋紧、资金空转现象加强、资金套利操作频频、调控作用越来越弱等。所以,对同业业务发展情况进行深刻剖析以及探究迫在眉睫。XX银行是最早开展同业业务的银行,其业务水平极高,在银行领域排名靠前。XX银行青岛分行的同业业务排名在XX银行全国40家直属一级分行排名名列前茅。因此,本文选择XX银行青岛分行同业业务发展状况来展开探究,对该行同业同业业务内部环境、外部环境进行分析,三种竞争战略进行比较研究,得出差异化战略是最符合战略发展需要的,并对该行同业业务具有的弊端作了进一步探究,给XX银行青岛分行怎样在经济发展速度不断下降、资本制约越来越强、资本流通性风险越来越大的环境中来拓展其同业业务指明方向,并提出合理化建议,因此对同业业务发展状况具有很高的研究价值。本文通过SWOT分析法,深入探究了该行开展同业业务的内外部环境,得出了 XX银行青岛分行开展同业业务所面临的优势、劣势、机遇、威胁,分析了 XX银行青岛分行如何在XX银行总行的指导帮助下,实施有别于其他金融机构、包括其他兄弟分行的差异化策略:客户群体的差异化、产品服务的差异化、市场研究的差异化、激励机制的差异化等,来稳健拓展同业业务的差异化经营战略。
[Abstract]:After 2008, due to the poor social and economic development situation, the continuous reduction of credit scale, the more and more capital constraints, the increasing demand for capital and the increasingly difficult business of the traditional banking business, the commercial banks continue to expand their business. A great deal of practice has proved that the development of the business can effectively increase the profit path of the commercial banks. At present, interbank business has become an essential part of the scope of banking business. However, with the rapid development of the business, there are many problems that can not be ignored, such as the tighter liquidity in the currency market, the strengthening of capital turnover, the frequent operation of capital arbitrage, and the weakening regulation and control. A deep analysis of the development of the business of the same industry and the imminent.XX bank is the earliest bank to carry out its business. Its business level is very high. In the field of the bank, the rank of the same business in the Qingdao branch of the former.XX bank is ranked in the top of the 40 first class branch of the Bank of XX. Therefore, this article chooses the XX Bank of the bank. The branch of the branch business development to explore, the internal environment of the industry, the external environment, the external environment, the three competitive strategies are compared, and the strategy of business dissimilation is the most consistent with the needs of the strategic development, and further explore the drawbacks of the business of the Bank of the bank of the Bank of XX, how the Qingdao branch of the Bank of China The speed of economic development is declining, the capital restriction is more and more strong, the risk of capital circulation is increasing, and the direction of its business is expanded, and the rationalization proposal is put forward. Therefore, it has a high research value on the development of the same business. This paper deeply explores the inside and outside business of the bank through the SWOT analysis method. The environment, the advantages, disadvantages, opportunities and threats that the XX bank Qingdao branch is faced with, and the analysis of how the Qingdao branch of the Bank of China, under the guidance of the XX bank, implements the difference between the other financial institutions, including the differentiation strategies of other brotherhood branches, the differentiation of customer groups, the differentiation of product services, and the differences in product services. The differentiation of field research and the differentiation of incentive mechanism will steadily expand the differentiated operation strategy of interbank business.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

【相似文献】