G银行沈阳分行公司客户结构配置研究

发布时间：2018-04-10 06:08

本文选题：商业银行　切入点：公司金融　出处：《大连理工大学》2016年硕士论文

【摘要】：公司客户是公司金融业务的源头和主体,商业银行为实现公司金融利润最大化,就需要具备合理的公司客户结构,并运用适合的金融产品和服务来满足各层次公司客户的需求。公司客户融资渠道越来越多样,不再单纯依赖商业银行传统信贷业务的支持;城商、农商、民营以及外资商业银行数量迅猛增长,同业竞争激烈,公司客户拥有更多选择,对商业银行的专业水平、服务层次和办事效率提出更高要求;金融市场的开放程度日益提高,利率市场化改革逐步推进,公司客户的金融需求正在改变,银行的客户群体也在发生变化。在这样的背景下,商业银行有必要而且不得不重新审视现有的公司客户资源与结构,并顺应宏观经济形势和银行自身发展的需要来调整和改善公司客户结构。通过对公司金融客户群的动态调整,形成公司金融条线大、中、小、微型客户差异化均衡发展模式,精准、高效地对接公司客户资源与银行金融产品组合,对银行而言意义重大。本文以某全国股份制商业银行沈阳分行(以下简称G银行沈阳分行)的公司客户作为研究对象,运用实证分析和理论研究相结合的方法,对G银行沈阳分行公司金融业务相关数据进行统计分析,归纳其公司客户结构的主要特征,并总结现有客户结构对G银行沈阳分行公司业务发展产生的影响;其次,对G银行沈阳分行通过调整公司客户结构,转变经营战略,最终实现利润最大化的可行性加以分析;然后,提出在现有条件下G银行沈阳分行公司客户结构调整策略;最后,分析G银行沈阳分行公司客户结构调整所具备的保障措施。
[Abstract]:Corporate customers are the source and main body of corporate financial business. In order to maximize corporate financial profits, commercial banks need to have a reasonable structure of corporate customers, and use appropriate financial products and services to meet the needs of corporate customers at all levels.Corporate customer financing channels are becoming more and more diverse, and they no longer rely solely on the traditional credit business of commercial banks. The number of city, agricultural, private and foreign commercial banks is growing rapidly, and the competition between the same industry is fierce, and corporate customers have more choices.Higher requirements are put forward for the professional level, service level and efficiency of commercial banks; the degree of opening up of the financial market is increasing day by day, the interest rate marketization reform is advancing step by step, and the financial needs of corporate customers are changing.The bank's customer base is also changing.In this context, it is necessary and necessary for commercial banks to re-examine the existing corporate customer resources and structure, and adapt to the macroeconomic situation and the needs of the bank's own development to adjust and improve the corporate customer structure.Through the dynamic adjustment of the company's financial customer group, it forms a balanced development model of corporate financial differentiation between large, medium, small and micro customers, accurately and efficiently connecting the company's customer resources with the banking financial product mix.It means a lot to banks.This article takes the company customer of Shenyang branch of a national joint-stock commercial bank (hereinafter referred to as "G bank Shenyang branch") as the research object, using the method of combining empirical analysis and theoretical research.This paper makes a statistical analysis on the relevant data of the financial business of G Bank Shenyang Branch, summarizes the main characteristics of its customer structure, and summarizes the influence of the existing customer structure on the development of the company's business. Secondly,This paper analyzes the feasibility of G Bank Shenyang Branch to realize the profit maximization by adjusting the customer structure, changing the management strategy and realizing the profit maximization. Then, it puts forward the customer structure adjustment strategy of G Bank Shenyang Branch Company under the existing conditions. Finally, the paper puts forward the customer structure adjustment strategy of G Bank Shenyang Branch Company.Analysis G bank Shenyang branch company customer structure adjustment has the safeguard measure.
【学位授予单位】：大连理工大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.2

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