交通银行零售业务转型发展的对策研究

发布时间：2018-01-08 21:05

本文关键词：交通银行零售业务转型发展的对策研究　出处：《郑州大学》2017年硕士论文　论文类型：学位论文

【摘要】：在利率市场化、金融脱媒化的经济背景下,进入二十一世纪以来,商业银行经营环境、竞争形势、客户需求等方面均发生了巨大变化,对以往主要依靠利息差盈利的银行传统发展模式在成了巨大的威胁。国内外商业银行的经营思想、思路和经营模式发生了深刻的改变,零售业务在商业银行经营业务中的地位不断上升,并越来越受到商业银行利益相关各方的关注与重视,全球各大商业银行都加快了发展零售银行业务的步伐。相对于公司银行业务,零售业务市场前景异常广阔,而且可以有效地分散风险,提高银行的盈利能力。交通银行作为五大国有银行之一,其利润来源很大一部分依靠于公司业务所带来的利息收入,企业发展的核心长期关注于传统的存贷款业务,而零售业务收入占比较小,在个人业务的规模、结构、盈利能力和发展潜力等方面与国内外优秀银行相比都有一定差距,在新的经济形势下,交通银行必须加快实施零售业务转型。本文主要研究交通银行在诸多挑战下其零售业务转型的问题。文章首先针对要研究的问题,阐述了选题意义以及选题背景,总结了国内外学者的研究成果,提出了本文的研究思路。其次,简要介绍了交通银行发展历史以及业务经营状况,利用PEST分析方法分析了交通银行面临的政治、经济、社会、技术因素,运用SWOT分析方法解析了其发展的优势、劣势、机遇、以及威胁,总结了交通银行在零售业务发展过程中面临的环境因素。然后,详细解析了交通银行在推进零售业务转型过程中采取的各项措施以及取得的成效,进而分析其转型过程中遇到的问题以及问题的原因。最后,本文认为在当今全球金融体系深刻变化,中国经济结构调整向纵深推进的时代,大力发展零售银行业务已经成为交通银行经营转型的必然选择。交通银行零售银行业只有在激烈的竞争中抢占先机,抓住新形势下的战略机遇,积极调整业务结构,加快产品和服务创新,完善客户管理和风险管理体系,加强队伍建设,积极推动改革创新,才能建立起卓越的核心竞争能力和可持续发展能力,为国民经济的增长和结构转换作出突出贡献。
[Abstract]:In the economic background of interest rate marketization and financial disintermediation, since 21th century, great changes have taken place in the business environment, competitive situation and customer demand of commercial banks. In the past, the traditional development model of banks, which mainly depended on the profit of interest difference, has become a great threat. The management thought, thinking and management mode of commercial banks at home and abroad have undergone profound changes. The position of retail business in the commercial bank business is rising, and more and more concerned by the commercial bank stakeholders. The major commercial banks in the world have accelerated the pace of developing retail banking business. Compared with corporate banking business, the retail business market prospects are extremely broad, and can effectively spread the risk. As one of the five state-owned banks, the profit source of Bank of Communications depends on the interest income brought by the company's business. The core of enterprise development is the traditional deposit and loan business for a long time, while the retail business income is relatively small, in the individual business scale, structure. There is a certain gap between the profitability and development potential of domestic and foreign excellent banks, in the new economic situation. Bank of Communications must speed up the implementation of retail business transformation. This paper mainly studies the problem of retail business transformation of Bank of Communications under many challenges. This paper expounds the significance and background of the topic, summarizes the research results of domestic and foreign scholars, and puts forward the research ideas of this paper. Secondly, it briefly introduces the development history and business operation of Bank of Communications. This paper analyzes the political, economic, social and technological factors faced by Bank of Communications by using the PEST analysis method, and analyzes the strengths, weaknesses, opportunities and threats of its development by using the SWOT analysis method. This paper summarizes the environmental factors faced by Bank of Communications in the process of retail business development. Then, it analyzes in detail the measures taken by the Bank of Communications in the process of promoting the retail business transformation and the results achieved. Finally, this paper argues that in the era of profound changes in the global financial system, China's economic restructuring is advancing in depth. To develop the retail banking business has become the inevitable choice of Bank of Communications management transformation. The retail banking industry of Bank of Communications can only seize the opportunity in the fierce competition and seize the strategic opportunity under the new situation. We will actively adjust the business structure, speed up product and service innovation, improve customer management and risk management systems, strengthen team building, and actively promote reform and innovation. Only in this way can the core competitiveness and sustainable development ability be established, and the outstanding contribution be made to the growth and structural transformation of the national economy.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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