利率市场化背景下RZDG农商行经营策略研究

发布时间：2018-04-28 05:17

本文选题：利率市场化 + 经营策略　；参考：《山东理工大学》2017年硕士论文

【摘要】：随着自2015年10月24日起,中国人民银行决定对商业银行和农村合作金融机构等不再设置存款利率浮动上限.,标志着我国利率市场化改革已经基本完成。在利率市场化改革后,RZDG农商行如何紧抓这个金融业发展的重大机遇,结合自身发展的实际情况,制定出适合自身发展的经营策略,已经成为了摆在银行高层面前的重要问题。因此,研究利率市场化下我国商业银行未来的经营策略成为了一项迫在眉睫的任务。本文在研究大量文献资料的基础上,基于利率市场化改革不断深化的背景,借鉴国外或地区应对利率市场化的经验教训,结合我国的金融市场环境,探寻RZDG农商行在利率市场化条件下的经营策略。本文拟通过运用在学校学习中所获得的各种知识,按照理论联系实际的原则,通过运用各种所学理论工具,对银行内外环境进行分析,探索制定银行下一步的经营策略,为银行提供有力保障。本文研究共分为七个主要部分。第一部分是本文的绪论,主要对本文研究的背景和意义,相关研究文献综述,研究的目的和研究方法以及研究的技术路线和预期成果研究进行了全面阐述,为本文研究提出了思路。第二部分是是利率市场化相关理论,主要对利率市场化的含义,我国利率市场化的进程,以及欧美国家利率市场化的启示进行了深入研究,为本文研究提供理论基础。第三部分是RZDG农商行外部环境分析,主要是通过对RZDG农商行发展的宏观环境、行业竞争环境以及利率市场化改革后DG地区的银行业发展趋势进行了全面分析,从而为下文其经营策略的研究提供外部环境依据。第四部分是RZDG农商行内部资源分析,主要对RZDG农商行的发展历程、经营现状,利率市场化改革对期的影响进行了分析,并在此基础上对其进行了SWOT分析,从而找出其外部机会和威胁,以及内部优势与劣势,从而为下文研究提供基础。第五部分是利率市场化背景下RZDG农商行经营中存在的问题,主要分析了利率市场化对于RZDG农商行的影响和其存在的主要问题。第六部分是利率市场化背景下RZDG农商行经营策略的建议,首先在确定了其经营宗旨和目标的基础上,提出了强化对中小企业服务力度、打造全员营销模式、做好资金组织拓展工作、积极开展多样化的信贷市场营销、加快推进网点转型工作、实施差别化定价、加强风险管理工作、层层压制责任,清收不良贷款等经营策略建议,助力其长远发展。第七部分是RZDG农商行经营策略的实施保障,在前文研究的基础上,为其提出了完善法人治理结构、建设完善信息系统、合理人力资源配置、建设企业核心文、全面提升服务水平等保障措施。
[Abstract]:Since October 24, 2015, the people's Bank of China has decided not to set the upper limit on the floating rate of deposit interest rate for commercial banks and rural cooperative financial institutions, indicating that the market-oriented reform of interest rate in China has been basically completed. After the reform of interest rate marketization, it has become an important problem for RZDG agricultural firms to grasp this important opportunity for the development of the financial industry, and to work out a management strategy suitable for their own development in the light of the actual situation of their own development, which has become an important issue in front of the high level of the bank. Therefore, it is an urgent task to study the future management strategy of Chinese commercial banks under the interest rate marketization. Based on the study of a large amount of literature and the background of deepening interest rate marketization reform, this paper draws lessons from the experiences of foreign countries or regions to deal with the interest rate marketization, and combines the financial market environment of our country. This paper explores the management strategy of RZDG agribusiness under the condition of interest rate marketization. This paper intends to apply all kinds of knowledge acquired in school study, according to the principle of integrating theory with practice, through the use of various theoretical tools, to analyze the internal and external environment of banks, and to explore and formulate the next management strategy of banks. To provide adequate protection for banks. This paper is divided into seven main parts. The first part is the introduction of this paper, mainly on the background and significance of this study, related research literature review, research objectives and research methods, as well as the technical route of the study and the expected results of the study. Some ideas are put forward for the research of this paper. The second part is the relevant theories of interest rate marketization, mainly on the meaning of interest rate marketization, the process of interest rate marketization in China, and the enlightenment of interest rate marketization in Europe and the United States, which provides the theoretical basis for this study. The third part is the analysis of the external environment of RZDG agribusiness bank, mainly through the overall analysis of the macro environment of the development of RZDG agribusiness bank, the competition environment of the industry and the trend of banking development in DG area after the reform of interest rate marketization. Thus provides the external environment basis for the following research of its management strategy. The fourth part is the analysis of the internal resources of RZDG agribusiness bank. It mainly analyzes the course of development of RZDG agribusiness bank, the current situation of operation, the influence of interest rate marketization reform on the period, and on the basis of the analysis, the author makes a SWOT analysis of RZDG agribusiness bank. To find out its external opportunities and threats, as well as internal strengths and weaknesses, and provide a basis for the following research. The fifth part is about the problems existing in the operation of RZDG agribusiness under the background of interest rate marketization. It mainly analyzes the influence of interest rate marketization on RZDG agribusiness and its main problems. The sixth part is the suggestion of RZDG agribusiness management strategy under the background of interest rate marketization. Firstly, on the basis of defining its management aim and goal, it puts forward to strengthen the service strength to the small and medium-sized enterprises and to create the all-staff marketing mode. We should do a good job in fund organization and expansion, actively carry out diversified credit marketing, speed up the transformation of network sites, implement differential pricing, strengthen risk management, suppress responsibility at all levels, and clear up non-performing loans. Help its long-term development. The seventh part is the implementation guarantee of the management strategy of RZDG agribusiness bank. On the basis of the previous research, it puts forward to perfect the management structure of legal person, construct perfect information system, allocate human resources reasonably, and construct the core text of enterprise. Improve the level of services and other security measures.
【学位授予单位】：山东理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35;F832.5

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