无锡农村商业银行中间业务发展策略研究
发布时间：2018-09-04 17:10
【摘要】：无锡农村商业银行是一家地区性商业银行,长期以来以存贷差为主要利润来源。近年来受到利率市场化、金融脱媒、技术脱媒、社会经济转型的不断冲击,无锡农商行亟需摆脱传统的以存贷差为主的单一盈利模式,发展不占用风险资产、不占用资本金的中间业务,提高非利息收入。在监管方面,银监会进一步提高对资本充足率的监管要求和对银行次级债补充资本的限制,一定程度上收缩银行放贷量,迫使银行逐步由“放贷银行”向“多元化金融机构”转型。在客户需求方面,由于存款利率多次下调,群众对于理财、基金等个人零售类中间业务产品的需求空前强烈,商业银行需要抓住机遇,与客户的需求有效对接。本文首先对国内外银行中间业务的发展情况做出阐述,通过数据分析法和SWOT分析法研究无锡农商行中间业务从规模上和业务种类上在行业内部处于一个什么水平。然后以无锡农村商业银行为例,通过调查归纳法将内部问题进行提纯。基于以上工作得出的结论制定出两点发展策略,一是业务转型发展策略,主要研究在银行业转型的大背景下怎样转变观念,通过组织结构改革和线上业务的拓展改变无锡农商行的运营模式。二是在产品选择设计策略,根据各项中间业务产品贡献率,本文在第六章研究了代理类中间业务、银行卡类中间业务、托管类中间业务、支付结算类中间业务的发展趋势和盈利模式。在以上两点策略的制定过程中,本文运用了第二章中的相关理论,包括协同效应理论、财富增长理论、顺应供应变化的金融创新理论。同时结合互联网+的时代趋势,探索发展互联网移动客户端对银行中间业务发展的推动作用。本文得出的结论主要集中表现为三点:一是无锡农商行要利用转型机遇,搬空老旧的经营模式,节约出人力物力,投入到中间业务产品的研发和推广过程中去。在与第三方博弈的过程中,要保持警惕,把握主动权。二是“先有鸡还是先有蛋”的问题,一方面,让利有助于产品的推广,使其产生规模效应;但另一方面也要注重成本的控制。三是在中间业务的发展过程中,要注重多元化发展,产品要多远化发展,对客户要进行差异化研究,提供差异化服务。
[Abstract]:Wuxi Rural Commercial Bank is a regional commercial bank. In recent years, due to the impact of interest rate marketization, financial disintermediation, technical disintermediation and social and economic transformation, Wuxi agribusiness urgently needs to get rid of the traditional single profit model, which is dominated by the difference between deposits and loans, and to develop without taking up risky assets. The intermediary business that does not occupy capital, raise non-interest income. In terms of supervision, the CBRC has further increased its regulatory requirements on capital adequacy and restrictions on replenishing capital on banks' subprime debt, to a certain extent reducing the amount of bank lending. Forcing banks to gradually transform from "lending banks" to "diversified financial institutions." In terms of customer demand, because the deposit interest rate has been lowered many times, the masses' demand for personal retail intermediate business products, such as financial management and fund, is unprecedented. Commercial banks need to seize the opportunity and effectively connect with the customer's demand. In this paper, first of all, the development of the intermediate business of domestic and foreign banks is expounded. Through data analysis and SWOT analysis, the paper studies what level the intermediate business of Wuxi agricultural firm is in terms of scale and type of business. Then take Wuxi Rural Commercial Bank as an example to purify internal problems through investigation and induction. Based on the conclusion of the above work, two development strategies have been worked out. One is the strategy of business transformation, which mainly studies how to change ideas in the context of banking transformation. Through the reform of organizational structure and the expansion of online business, the operating mode of Wuxi Agricultural Company has been changed. Second, in the product selection design strategy, according to each intermediate business product contribution rate, in the sixth chapter, this article has studied the agent class intermediate business, the bank card class intermediate service, the custody class intermediate service, The development trend and profit mode of payment and settlement intermediary business. In the process of formulating the above two strategies, this paper applies the relevant theories in Chapter 2, including the theory of synergy, the theory of wealth growth, and the theory of financial innovation adapted to the change of supply. Combined with the trend of the Internet, this paper explores the role of Internet mobile client in promoting the development of bank intermediate business. The main conclusions of this paper are as follows: first, Wuxi agribusiness should take advantage of the opportunity of transformation, empty the old business model, save manpower and material resources, and invest in the process of research and development and promotion of intermediate business products. In the process of playing with third parties, we should remain vigilant and grasp the initiative. The second is the question of "chicken or egg first". On the one hand, making profit is helpful to the promotion of products and making them produce scale effect; on the other hand, we should also pay attention to cost control. Third, in the process of intermediary business development, we should pay attention to the diversification development, the product should be more remote development, the customer should carry on the differentiation research, provides the differential service.
【学位授予单位】：新疆大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2
本文编号：2222815
[Abstract]:Wuxi Rural Commercial Bank is a regional commercial bank. In recent years, due to the impact of interest rate marketization, financial disintermediation, technical disintermediation and social and economic transformation, Wuxi agribusiness urgently needs to get rid of the traditional single profit model, which is dominated by the difference between deposits and loans, and to develop without taking up risky assets. The intermediary business that does not occupy capital, raise non-interest income. In terms of supervision, the CBRC has further increased its regulatory requirements on capital adequacy and restrictions on replenishing capital on banks' subprime debt, to a certain extent reducing the amount of bank lending. Forcing banks to gradually transform from "lending banks" to "diversified financial institutions." In terms of customer demand, because the deposit interest rate has been lowered many times, the masses' demand for personal retail intermediate business products, such as financial management and fund, is unprecedented. Commercial banks need to seize the opportunity and effectively connect with the customer's demand. In this paper, first of all, the development of the intermediate business of domestic and foreign banks is expounded. Through data analysis and SWOT analysis, the paper studies what level the intermediate business of Wuxi agricultural firm is in terms of scale and type of business. Then take Wuxi Rural Commercial Bank as an example to purify internal problems through investigation and induction. Based on the conclusion of the above work, two development strategies have been worked out. One is the strategy of business transformation, which mainly studies how to change ideas in the context of banking transformation. Through the reform of organizational structure and the expansion of online business, the operating mode of Wuxi Agricultural Company has been changed. Second, in the product selection design strategy, according to each intermediate business product contribution rate, in the sixth chapter, this article has studied the agent class intermediate business, the bank card class intermediate service, the custody class intermediate service, The development trend and profit mode of payment and settlement intermediary business. In the process of formulating the above two strategies, this paper applies the relevant theories in Chapter 2, including the theory of synergy, the theory of wealth growth, and the theory of financial innovation adapted to the change of supply. Combined with the trend of the Internet, this paper explores the role of Internet mobile client in promoting the development of bank intermediate business. The main conclusions of this paper are as follows: first, Wuxi agribusiness should take advantage of the opportunity of transformation, empty the old business model, save manpower and material resources, and invest in the process of research and development and promotion of intermediate business products. In the process of playing with third parties, we should remain vigilant and grasp the initiative. The second is the question of "chicken or egg first". On the one hand, making profit is helpful to the promotion of products and making them produce scale effect; on the other hand, we should also pay attention to cost control. Third, in the process of intermediary business development, we should pay attention to the diversification development, the product should be more remote development, the customer should carry on the differentiation research, provides the differential service.
【学位授予单位】：新疆大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2
【参考文献】
相关期刊论文 前4条
1 周艳明;吴慧珊;凤兰;;我国商业银行中间业务发展与创新路径研究——基于16家上市银行2009年~2013年年报数据[J];现代管理科学;2015年02期
2 许林;陈香君;;中国商业银行中间业务发展现状及对策分析——以国内某银行为例[J];国际金融;2014年11期
3 傅联英;骆品亮;;双边市场的定性判断与定量识别:一个综述[J];产业经济评论;2013年02期
4 陈胡青;;我国商业银行中间业务发展研究——基于2010～2011年我国14家商业银行中间业务收入的分析[J];金融与经济;2012年06期
相关硕士学位论文 前6条
1 李万金;我国上市商业银行中间业务收入对经营绩效影响的实证研究[D];海南大学;2015年
2 李淑颖;我国银行卡市场定价机制研究[D];西安科技大学;2014年
3 司维;商业银行中间业务产品定价研究[D];安徽大学;2013年
4 韩华林;山东省工行中间业务平台系统方案设计[D];吉林大学;2012年
5 杨颖;我国上市商业银行绩效与中间业务效率的实证研究[D];西南财经大学;2012年
6 张朗星;国有商业银行中间业务发展策略研究[D];暨南大学;2008年
，本文编号：2222815
本文链接：https://www.wllwen.com/jingjilunwen/huobiyinxinglunwen/2222815.html
