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论文编号：	12151
作者编号：	2320180303
上传时间：	2020/12/14 11:09:00
中文题目：	ZX银行交易银行业务盈利策略优化研究
英文题目：	Research on the Optimization of Profit Strategy of Transactional Banking Business of ZX Bank
指导老师：	王曼舒
中文关键字：	交易银行；盈利；策略；ZX银行
英文关键字：	Transactional Banking Business;Profit;Strategy;ZX Bank
中文摘要：	在数字化、网络化、智能化趋势下，随着中国经济发展步入新常态发展阶段，金融改革的深化，利率市场化基本完成，商业银行形成了新的竞争格局和经营业态。银行所面临的存贷利差的减少、运营成本上升等矛盾将越来越突出，很难再单纯依靠利差的盈利模式，也很难再依靠资产拉动负债的经营模式持续发展。推动商业银行数字化发展，构建智能金融基础设施、智慧化金融开放平台、敏捷金融服务中心将成为未来发展的必然趋势。而交易银行业务将会成为银行战略转型及数字化变革中的重要路径和创新点，改变商业银行的经营理念和服务模式，促使商业银行进行自我颠覆和价值重构。 本文立足ZX银行发展交易银行提升盈利这个角度，通过理论和现状的相关分析，提出了相关优化策略。全文共分六个章节：第一部分为引言，阐释本文的研究背景、现实意义、研究内容，明确研究框架。第二部分为交易银行业务相关理论回顾和文献综述。通过文献研读和理论学习，对交易银行业务相关理论认识进一步深化。第三部分为ZX银行交易银行业务盈利策略的现状和问题。通过对国外和国内先进银行交易银行业务的分析比较，明确ZX银行目前交易银行业务盈利策略的问题。第四部分从交易银行助力普惠金融、金融科技赋能、金融产品创新以及结构性优势发挥等几个方面提出ZX银行发展交易银行业务盈利策略优化的方案。第五部分从目标、影响因素、保障措施等方面提出实施方案，并从结算类和融资类、中收类和场景类四个实际案例进行了实证分析。第六部分为相关研究结论及不足，提出未来的研究展望。 交易银行因其“轻资本、高流转、高黏性、弱周期、低风险”等特点，成为商业银行公司业务转型发展的重要引擎。本文从ZX银行盈利策略优化的角度提出交易银行业务可持续发展的方向，但在未来仍需在交易数据运用、共享金融、金融科技银行等多个方面进行深入学习和研究。
英文摘要：	Under the trend of digitalization, networking and intelligentization and with the economic development of China entering the stage of "new norm", the deepening of financial reform and the basic completion of interest rate liberalization, commercial banks have formed a new pattern of competition and business form. The conflicts such as the decrease of deposit and loan interest rate spreads and the increase of operating costs will become even more prominent. It is difficult to simply rely on the profit model of interest rate spreads and maintain a sustainable development through the business model of asset driving liability. Promoting the digitalized development of commercial banks and building intelligent financial infrastructure, intelligentized financial open platform and agile financial service center will definitely become the inevitable trend of future development. Transactional banking business will therefore become an important path and innovation point in the strategic transformation and digital transformation of banks. It will change the business philosophy and service mode of commercial banks and promote the self-subversion and value reconstruction of them. This paper starts from the perspective of ZX Bank developing transactional banking business to improve profitability, proposes relevant optimization strategies through the correlation analysis of theory and current situation. The paper is composed of six parts: The first part is the introduction, which puts forward the research background, research significance, research content and defines the research framework. The second part is relevant theoretical review and literature review of transactional banking business. Through literature and theoretical study, it further deepens the relevant theoretical understanding of transactional banking business. The third part is the current situation and problems of the profit strategy of the transactional banking business in ZX Bank. Through analysis and comparison of the transactional banking business of overseas and domestic advanced banks, it clarifies the problems of current profit strategy of transactional banking business in ZX Bank. The fourth part proposes the optimization plan of the profit strategy for ZX Bank to develop transactional banking business from the aspects of transactional banking boosting inclusive finance, empowering financial technology, innovating financial products and exerting structural advantage. The fifth part puts forward the implementation plan from the aspects of objectives, influencing factors and supporting measures and conducts empirical analysis through four practical cases from the category of settlement, financing, intermediate business income and scenario. The sixth part is relevant research conclusions and shortcomings and it puts forward future research prospects. Transaction banking has become an important engine for corporate business transformation and development of commercial banks by virtue of its various characteristics, such as “light capital, high turnover, high viscosity, weak cyclicality and low risk”. This paper has put forward the direction to sustainable development of transaction banking business from the perspective of profit strategy optimization of ZX bank, but in-depth study and further research are still needed in future transaction data application, sharing finance and fin-tech banking, etc.
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