肥城农村商业银行个人理财业务发展对策研究

发布时间：2018-06-18 03:40

本文选题：肥城农商银行 + 个人理财产品业务　；参考：《山东农业大学》2017年硕士论文

【摘要】：农村金融,指的是一切与农村流通和信用活动有关的各种经济活动。现在,随着国家经济的飞快增长,农村居民的可支配收入也在不断增加,农村金融机构的个人理财业务受到越来越多农村居民的青睐,这也就对农村金融的个人理财产品的种类和质量提出更高的要求。另外,随着农村市场经济的发展和成熟,农村地区的金融竞争日益加剧,单纯的存贷款业务已不能满足当今农村的金融现状。如今,越来越多的银行不断通过创新产品、优化服务来占据和开拓新的农村市场和客户源,从而提高自身的竞争优势。对于肥城市这样的三线城市来说,这种情况更加突出,农村个人理财业务的发展还有很多不足。总之,无论是从满足当前农村市场需求、适应当前农村经济环境的角度考虑,还是就肥城农商银行自身理财业务的发展水平而言,肥城农商银行个人理财业务都处于较为初级的发展阶段,亟待得到进一步的创新和发展。鉴于此,本文选取了肥城农商银行发展中的个人理财产品作为研究起点,利用SWOT分析方法和理论联系实际的论证方法,通过分析肥城农商银行个人理财业务在农村市场的优势和劣势,机遇和挑战,洞察农村市场竞争的动态,了解对手的动向,剖析出自身面临的问题:经营政策层面的限制,分业经营和监管模式限制;理财产品体系不健全;金融市场发展水平滞后和理财业务创新体系不完善,功能不健全。探究出解决问题的根本措施在于:积极做好从分业经营向混业经营转变的准备;打造卓越品牌形象,提供差异性,个性化的特色服务,提高客户忠诚度;培养专业理财人才队伍;树立良好的经营理念,奠定创新的思想基础;个人理财产品机构设置衔接较差;对农村客户市场进行有效细分和合理定位,建立健全个人理财业务风险管理体系。本文抓住肥城农商银行当前个人理财业务发展的最新动态,实地查询和统计,掌握最新进展数据,突出实效性,并剖析实际现象,利用SWOT分析方法分析肥城农商银行个人理财业务在肥城地区发展的优势、劣势、机遇和挑战。根据分析结果,本文提出了相应的措施和建议,为推动肥城农商银行个人理财业务的发展起到一定的促进和推动作用。本文共分为六个章节,第一章是引言。本章主要介绍本课题的背景和选题依据、课题研究的理论意义等。第二章介绍了相关概念界定及理论基础。第三章分析了肥城农商银行个人理财业务发展的需求和作用。第四章分析肥城农商银行个人理财业务发展的现状。第五章主要是讲肥城农商银行在个人理财业务方面的SWOT分析。第六章总结并提出肥城农商银行个人理财业务发展和创新的对策及建议
[Abstract]:Rural finance refers to all kinds of economic activities related to rural circulation and credit activities. Now, with the rapid growth of the national economy, the disposable income of rural residents is also increasing, and the personal finance business of rural financial institutions is favored by more and more rural residents. This also puts forward higher requirements for the types and quality of personal financial products in rural finance. In addition, with the development and maturity of the rural market economy, the financial competition in rural areas is increasingly intensified, and the simple deposit and loan business can no longer meet the current financial situation in rural areas. Nowadays, more and more banks continue to improve their competitive advantage by innovating products and optimizing services to occupy and develop new rural markets and customer sources. For third-tier cities such as Feicheng, this situation is more prominent, the development of rural personal finance business there are many deficiencies. In short, whether from the point of view of meeting the needs of the current rural market and adapting to the current rural economic environment, or in terms of the level of development of the Feicheng Agricultural and Commercial Bank's own financial management business, The personal finance business of Feicheng Agricultural and Commercial Bank is in the primary stage of development and needs to be further innovated and developed. In view of this, this paper selects the personal financial products in the development of Feicheng Agricultural and Commercial Bank as the starting point of the research, using SWOT analysis method and the demonstration method of combining theory with practice. By analyzing the advantages and disadvantages, opportunities and challenges of the personal finance business of Feicheng Agricultural and Commercial Bank in the rural market, we can have insight into the dynamics of the rural market competition, understand the trend of the rivals, and analyze the problems we are facing: the restriction of the management policy level. The system of financial products is not perfect, the development level of financial market is lagging behind, the innovation system of financial management is not perfect, and the function is not perfect. The basic measures to solve the problem are as follows: actively preparing for the transition from separate operation to mixed operation, creating outstanding brand image, providing differential and individualized characteristic service, improving customer loyalty; Cultivate professional financial management personnel team; establish a good business philosophy, lay a foundation for innovation; personal financial products and institutions are poorly connected; effective segmentation and rational positioning of rural customer market, Establish and improve the risk management system of personal finance business. This paper grasps the latest development trend of Feicheng Agricultural and Commercial Bank's personal finance business, inquires and statistics on the spot, grasps the latest progress data, highlights the actual effect, and analyzes the actual phenomenon. The SWOT analysis method is used to analyze the advantages, disadvantages, opportunities and challenges of Feicheng Agricultural and Commercial Bank's personal finance business development in Feicheng area. According to the analysis results, this paper puts forward the corresponding measures and suggestions, which will play a certain role in promoting the development of the personal finance business of Feicheng Agricultural and Commercial Bank. This paper is divided into six chapters, the first chapter is the introduction. This chapter mainly introduces the background and the basis of the topic, the theoretical significance of the research. The second chapter introduces the definition of relevant concepts and theoretical basis. The third chapter analyzes the needs and functions of Feicheng Rural Commercial Bank's personal finance business development. Chapter four analyzes the present situation of Feicheng Rural Commercial Bank's personal finance business. The fifth chapter is mainly about the SWOT analysis of Feicheng Agricultural and Commercial Bank in personal finance business. Chapter VI summarizes and puts forward the countermeasures and suggestions for the development and innovation of the personal finance business of Feicheng Agricultural and Commercial Bank
【学位授予单位】：山东农业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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