邮储银行吉林省分行零售业务发展战略研究

发布时间：2018-04-14 00:29

本文选题：邮储银行 + 银行零售业务　；参考：《吉林大学》2017年硕士论文

【摘要】：中国邮政储蓄银行历经10年的转型发展,于2016年9月28日成功地在香港联合交易所主板成功上市,强势登陆国际资本市场。但从现实出发,中国邮政储蓄银行仍然面临着由储蓄机构向商业银行转型、由传统银行向现代银行转型的双重任务,也面临着做大规模总量与提升质量效益的双重压力。对于邮储银行吉林省分行而言,零售金融为全行多元化营销、叠加产品服务提供了非常广阔的平台。各类零售信贷、信用卡、资管产品,能够为客户提供更加多元化、多角度的服务,但特殊的发展轨迹,造成了目前客户持有产品较为单一,网点交叉销售能力较薄弱等现实问题。本文通过对邮储银行吉林省分行零售业务的现状分析,找出存在的问题,并提出发展战略及实施保障措施。第一章中阐明了本文所研究的背景和重要意义,结合研究方向确定了研究内容。第二章对邮政储蓄银行吉林省分行零售业务的发展现状及存在的问题进行了深入分析,通过五力分析模型,PEST分析模型及SWOT分析模型等理论,对目前存在的问题,形成的原因,面临的环境进行了深入的剖析。总结了邮储银行零售业务中,负债业务板块发展乏力,资产业务渠道建设薄弱,中间业务创新不足、缺乏专业素养人才等问题,并从历史因素、零售渠道建设因素、产品设计因素及人力资源因素等方面分析了形成问题的原因。在第三章中首先通过五力分析模型及PEST分析模型对邮储银行吉林省分行零售业务外部环境进行分析,然后通过内部组织结构情况、人员队伍建设情况、网点布局情况及业务发展动态情况多个角度对其内部环境进行分析,最后利用SWOT分析矩阵对其进行了组合战略分析。最后一章则结合外部、内部环境分析,根据邮储银行吉林省分行零售业务优势、问题,参考行业、市场机会,提出了相应的战略选择及战略实施保障。即确定了邮储银行吉林省分行零售业务发展的短期及长期目标,并就零售负责业务、零售资产业务及零售中间业务提出了具体战略措施。最后从落实组织架构改革,加强人力资源支撑,加大科技投入力度及做好相关配套工作四个方面,确定了邮储银行吉林省分行零售业务发展战略的保障措施。希望能通过分析研究,制定适合中国邮政储蓄银行吉林省分行零售业务的发展战略,为零售业务的可持续发展增添动力,进而有效的推动中国邮政储蓄银行吉林省分行跃上新的台阶。
[Abstract]:After 10 years of transformation and development, China Postal savings Bank successfully listed on the main board of the Stock Exchange of Hong Kong on September 28, 2016, and made a strong landing on the international capital market.However, from the reality, the postal savings bank of China is still facing the dual task of transforming from savings institution to commercial bank and from traditional bank to modern bank.For Postal savings Bank Jilin Branch, retail finance provides a very broad platform for diversified marketing and superposition of products and services.Various types of retail credit, credit cards, capital management products, can provide customers with more diversified, multi-angle services, but the special development track, resulting in the current customer holding products relatively single,Dot cross-selling ability is relatively weak and other practical issues.By analyzing the present situation of retail business of Postal savings Bank Jilin Branch, this paper finds out the existing problems, and puts forward the development strategy and implementing safeguard measures.In the first chapter, the background and significance of this study are explained, and the research contents are determined.The second chapter deeply analyzes the present situation and existing problems of retail business in Jilin Branch of Postal savings Bank. Through the theories of five forces analysis model pest analysis model and SWOT analysis model, the paper analyzes the existing problems and the reasons for their formation.The environment that faces has carried on the thorough analysis.In the retail business of Postal savings Bank, the development of debt business plate is weak, the construction of asset business channel is weak, the innovation of intermediate business is insufficient, and the problems of lack of professional personnel are summarized, and the historical factors and the factors of retail channel construction are also discussed.The factors of product design and human resources are analyzed.In the third chapter, through the five forces analysis model and PEST analysis model to analyze the external environment of retail business of postal savings bank Jilin branch, and then through the internal organizational structure, personnel construction,The internal environment is analyzed from the point of view of network layout and business development. Finally, the combined strategy is analyzed by using SWOT analysis matrix.The last chapter combines the external and internal environment analysis, according to the retail business advantages, problems, reference industry, market opportunities of the Postal savings Bank of Jilin Province Branch, put forward the corresponding strategic choice and strategic implementation protection.The short- and long-term objectives of retail business development of Postal savings Bank Jilin Branch are determined, and the specific strategic measures for responsible retail business, retail assets business and retail intermediate business are put forward.Finally, from four aspects of implementing the reform of organizational structure, strengthening the support of human resources, increasing the investment of science and technology and doing a good job of supporting the relevant work, this paper determines the safeguard measures for the retail business development strategy of the Postal savings Bank Jilin Branch.It is hoped that through analysis and research, we can formulate a development strategy suitable for the retail business of China Postal savings Bank Jilin Branch, so as to add impetus to the sustainable development of retail business.And then effectively promote China Postal savings Bank Jilin Branch to a new level.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F618.3;F832.33

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