NC银行理财业务发展策略研究

发布时间：2019-06-20 22:04

【摘要】：由于我国生产力不断进步,经济发展速度较快,居民生活水平和质量不断提高,同时随着住房、养老、医疗、教育等福利的货币化,越来越多的居民开始加大对金融领域的投资力度,理财业务的需求与供给呈现不断增长的趋势。而且,银行之间为了维护经营效益,开始对内部业务结构进行优化升级,很多商业银行为了获得更多的市场份额,加大对金融理财产品的开发和创新,使之成为吸引并留住高端客户的主要途径。银行理财业务是一项重大金融创新,是在国内金融改革和分业监管环境下发展起来的新兴业务,目前在市场上占据举足轻重的地位。随着理财业务的发展范围领域不断延伸,不但增强了商业银行的市场竞争力,而且可以将传统商业银行与现代资产管理业务有效地融合在一起,丰富了商业银行表内外综合化经营管理内容,为商业银行的持续稳健发展和经营转型注入长久动力。2004年,光大银行率先研发了人民币理财产品,并且在市场上公开发售,掀开了国内理财业务发展的新篇章。截止2015年末,我国商业银行理财业务不断成熟和完善,业务所涉领域和范围不断拓宽,理财资金余额已经超过了23万亿元,我国金融理财业务实现了历史性的突破和跨越式的增长。但是,跟国外相对成熟的理财业务相比,我国在研发金融理财产品方面仍然存在着许多不足和问题,应及时制定有效战略方案,将对推进我国商业银行理财业务发展起到积极作用,同时为未来我国金融领域全面发展积蓄力量。论文运用经济学、金融学和营销学等理论,静态分析与动态分析相结合,提出了理财业务新的发展方向和结构框架。首先,本文全面阐述了理财业务的发展状况和特点,结合我国实际国情、民情,对我国商业银行的发展特点和现状进行了总结和归纳。本文重点以NC银行为研究对象,详细阐述了NC银行发展的历史背景和全过程,结合实践进行深入分析。同时,还根据国际市场的变化规律和内在要求等,运用SWOT法对NC银行理财业务进行分析,最后针对存在的问题以及问题产生的原因进行归纳总结,针对性提出建设性的意见和战略策划方案。本文以NC银行为例,NC银行作为一家城市商业银行,应从明确理财业务发展目标、明确理财业务市场定位、加强理财品牌建设、加快产品研发创新、完善研发团队建设等方面入手,逐步减少与国有、股份制商业银行及互联网金融理财产品之间的差距,发挥理财业务在商业银行发展转型中的重要作用,保障NC银行在利率市场化环境下健康、有序、规范发展。
[Abstract]:Due to the continuous progress of productive forces, rapid economic development and the continuous improvement of residents' living standards and quality, with the monetization of housing, pension, medical care, education and other welfare, more and more residents begin to increase their investment in the financial field, and the demand and supply of financial services show a growing trend. Moreover, in order to maintain operational efficiency, banks begin to optimize and upgrade their internal business structure. In order to obtain more market share, many commercial banks increase the development and innovation of financial products, so that they become the main way to attract and retain high-end customers. Bank financial management business is an important financial innovation, which is a new business developed under the environment of domestic financial reform and separate supervision. At present, it occupies an important position in the market. With the continuous extension of the development scope of financial management business, it not only enhances the market competitiveness of commercial banks, but also effectively integrates traditional commercial banks with modern asset management business, enriches the integrated management content inside and outside the balance sheet of commercial banks, and injects long-term impetus into the sustainable and steady development and business transformation of commercial banks. In 2004, Everbright Bank took the lead in developing RMB financial products. And in the market public sale, opened a new chapter in the development of domestic financial business. By the end of 2015, the financial management business of commercial banks in China has been matured and improved, the fields and scope of the business have been broadened, the balance of financial funds has exceeded 23 trillion yuan, and the financial and financial business of our country has achieved a historic breakthrough and leap-forward growth. However, compared with the relatively mature financial management business in foreign countries, there are still many shortcomings and problems in the research and development of financial products in our country. We should formulate an effective strategic plan in time, which will play a positive role in promoting the development of the financial business of commercial banks in our country, and at the same time, we should develop the savings force in the financial field of our country in an all-round way. Based on the theories of economics, finance and marketing, this paper puts forward the new development direction and structure framework of financial management business by combining static analysis with dynamic analysis. First of all, this paper comprehensively expounds the development and characteristics of financial management business, combined with the actual national conditions of our country, the situation of the people, the development characteristics and current situation of commercial banks in China are summarized and summarized. This paper focuses on NC bank as the research object, elaborated the historical background and the whole process of NC bank development in detail, combined with the practice to carry on the thorough analysis. At the same time, according to the changing law and internal requirements of the international market, the SWOT method is used to analyze the financial management business of NC bank. Finally, the existing problems and the causes of the problems are summarized, and constructive suggestions and strategic planning schemes are put forward. Taking NC Bank as an example, NC Bank, as a city commercial bank, should gradually reduce the gap with state-owned, joint-stock commercial banks and Internet financial products, and give full play to the important role of financial management business in the development and transformation of commercial banks from the aspects of defining the development objectives of financial management business, defining the market orientation of financial management business, strengthening the construction of financial management brand, speeding up the innovation of product research and development, and perfecting the construction of R & D team. To ensure the healthy, orderly and standardized development of NC bank in the market-oriented environment of interest rate.
【学位授予单位】：江西财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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