我国中小商业银行直销银行运营模式研究
发布时间：2018-10-18 16:25
【摘要】：面对利率的逐渐市场化以及互联网金融的快速发展等多方面冲击,国内传统商业银行出现了经营业绩下降、不良资产率上升等诸多问题。"存贷利差"的进一步压缩促使各家商业银行寻觅新的运营模式,希望借战略上的转型来寻求新的业务增长点。中小商业银行作为金融行业极其活跃的一员,其本身相比于大型商业银行无论在跨区域经营、网点数量还是获客能力方面都存在不足,在当下这种环境下更是腹背受敌。因此,中小商业银行亟需思考如何协调分配现有资源,开辟出一条可以将自身优势充分发挥的互联网金融创新之路。而在国外已处于发展成熟阶段的直销银行在引入国内后,由于具有经营成本低、精准有效的客户定位、服务便捷等特点,多家商业银行也开始创立自己的直销银行品牌。随着直销银行业务的不断开展,其开展过程中尤其是运营模式的各种弊端逐步显现,值得中小商业银行思考解决之道。本文主要是对目前国内中小商业银行直销银行的运营模式的研究。论文首先从直销银行的概念和设立背景入手,分析了国内中小商业银行开展直销银行业务的必要性和可行性,并介绍了国外直销银行的几种成功运营模式。然后,对于国内中小商业银行直销银行的三种运营模式结合案例进行了重点分析。接下来,本文就目前中小商业银行在直销银行运营过程中存在的问题进行了阐述,比如结算支付的局限性,风险防范机制存在缺陷等。然后,针对直销银行运营模式所存在的不足提出了几点针对性建议:第一,要做到明确自身定位,建立起独立运营机制,这是直销银行发展壮大的先行条件。第二,大力拓宽直销银行合作渠道,改善支付环境。第三,完善信息技术和业务等方面的风控机制。第四,拓宽直销银行获客渠道。最后,对论文的研究内容进行了总结和展望,以期为之后的研究提供一点思路。总的来说,建立直销银行对于我国中小商业银行来说既是机遇也是挑战。中小商业银行在开展直销银行业务时要做到理性对待,充分利用好直销银行这一新兴平台,努力实现对大型商业银行和互联网金融企业的弯道超越。
[Abstract]:In the face of the gradual marketization of interest rates and the rapid development of Internet finance, domestic traditional commercial banks have faced many problems, such as the decline in operating performance and the rise in the rate of non-performing assets. " The further compression of deposit and loan interest margin urges commercial banks to look for a new mode of operation, hoping to seek new business growth points through strategic transformation. As a very active member of the financial industry, the small and medium-sized commercial banks have shortcomings in terms of the number of outlets and the ability to get customers, compared with the large commercial banks in the cross-regional operation. In the present environment, they are even more belligerent. Therefore, small and medium-sized commercial banks urgently need to think about how to coordinate the allocation of existing resources, and open up a way of Internet financial innovation that can give full play to their own advantages. After the introduction of direct selling banks in foreign countries, many commercial banks have started to establish their own direct selling bank brands because of their low operating cost, accurate and effective customer positioning, convenient service and so on. With the continuous development of direct selling banking business, especially in the process of development of the various shortcomings of the operation model gradually appear, it is worth small and medium-sized commercial banks to think about the solution. This paper mainly studies the operation mode of domestic small and medium-sized commercial banks. This paper begins with the concept and background of direct selling bank, analyzes the necessity and feasibility of developing direct selling bank business in domestic small and medium-sized commercial banks, and introduces several successful operation modes of foreign direct selling banks. Then, the paper focuses on the analysis of three operation modes of domestic commercial banks. Then, this paper expounds the problems existing in the operation of small and medium-sized commercial banks, such as the limitation of settlement and payment, the defects of risk prevention mechanism and so on. Then, in view of the shortcomings of the direct selling bank operation mode, this paper puts forward some specific suggestions: first, it is necessary to make clear its own position and establish an independent operation mechanism, which is the leading condition for the direct selling bank to develop and grow. Second, expand direct-selling banking cooperation channels and improve the payment environment. Third, improve the information technology and business aspects of wind control mechanisms. Fourth, expand direct selling banks to gain access to channels. Finally, the research content of the paper is summarized and prospected, in order to provide some ideas for the later research. Generally speaking, the establishment of direct-selling banks is both an opportunity and a challenge for small and medium-sized commercial banks in China. Small and medium-sized commercial banks should be rational in carrying out direct selling banking business, make full use of the emerging platform of direct selling banks, and strive to achieve the roundabout surpassing of large commercial banks and Internet financial enterprises.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33
本文编号：2279692
[Abstract]:In the face of the gradual marketization of interest rates and the rapid development of Internet finance, domestic traditional commercial banks have faced many problems, such as the decline in operating performance and the rise in the rate of non-performing assets. " The further compression of deposit and loan interest margin urges commercial banks to look for a new mode of operation, hoping to seek new business growth points through strategic transformation. As a very active member of the financial industry, the small and medium-sized commercial banks have shortcomings in terms of the number of outlets and the ability to get customers, compared with the large commercial banks in the cross-regional operation. In the present environment, they are even more belligerent. Therefore, small and medium-sized commercial banks urgently need to think about how to coordinate the allocation of existing resources, and open up a way of Internet financial innovation that can give full play to their own advantages. After the introduction of direct selling banks in foreign countries, many commercial banks have started to establish their own direct selling bank brands because of their low operating cost, accurate and effective customer positioning, convenient service and so on. With the continuous development of direct selling banking business, especially in the process of development of the various shortcomings of the operation model gradually appear, it is worth small and medium-sized commercial banks to think about the solution. This paper mainly studies the operation mode of domestic small and medium-sized commercial banks. This paper begins with the concept and background of direct selling bank, analyzes the necessity and feasibility of developing direct selling bank business in domestic small and medium-sized commercial banks, and introduces several successful operation modes of foreign direct selling banks. Then, the paper focuses on the analysis of three operation modes of domestic commercial banks. Then, this paper expounds the problems existing in the operation of small and medium-sized commercial banks, such as the limitation of settlement and payment, the defects of risk prevention mechanism and so on. Then, in view of the shortcomings of the direct selling bank operation mode, this paper puts forward some specific suggestions: first, it is necessary to make clear its own position and establish an independent operation mechanism, which is the leading condition for the direct selling bank to develop and grow. Second, expand direct-selling banking cooperation channels and improve the payment environment. Third, improve the information technology and business aspects of wind control mechanisms. Fourth, expand direct selling banks to gain access to channels. Finally, the research content of the paper is summarized and prospected, in order to provide some ideas for the later research. Generally speaking, the establishment of direct-selling banks is both an opportunity and a challenge for small and medium-sized commercial banks in China. Small and medium-sized commercial banks should be rational in carrying out direct selling banking business, make full use of the emerging platform of direct selling banks, and strive to achieve the roundabout surpassing of large commercial banks and Internet financial enterprises.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33
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