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论文编号：	12448
作者编号：	2320180360
上传时间：	2021/6/11 15:43:25
中文题目：	MS银行苏州分行票据业务发展策略研究
英文题目：	Research on the development strategy of bill business in suzhou branch of china MS bank
指导老师：	张耀伟
中文关键字：	票据业务；同质化竞争；策略优化
英文关键字：	Bill Business；Homogeneous competition；strategy optimization
中文摘要：	摘要 票据市场是我国金融市场的重要组成部分，在促进金融市场流动性，支持中小企业融资，传导货币调控政策，提高商业银行经营效益等方面都起到了十分重要的作用。随着我国金融市场改革的不断深化，票据业务在货币市场中的所占比重逐年增加，成为各商业银行争相抢占的业务标的。票据已经进入标准化时代，拥有其他非标融资产品无法比拟的发展优势。随着票据市场越发成熟，传统的票据经营增长模式已经不可持续，商业银行需加快改革创新的步伐，优化票据经营策略，促进票据业务的可持续发展。 MS银行苏州分行的票据业务一直是该分行主要的利润来源，近年来，苏州分行的票据业务呈下行趋势，票据发展遇到了一定阻碍。如何在监管趋严，金融脱媒，利差收窄和同质化竞争加剧的背景下寻求新的突破，把握发展机遇，成为了苏州分行票据业务发展面临的重要课题。本文通过充分详实的数据罗列，深入研究了近年来MS银行苏州分行票据业务发展的概况及面临的挑战，归纳总结了苏州分行票据业务发展受限的相关影响因素，进而提出了具有实操性的优化改进对策。 通过运用对比分析和实证分析等分析手法，比较了MS银行系统内各优秀分行票据业务的发展模式，总结了苏州分行票据业务发展可借鉴的先进经验。结合苏州分行的实际情况，从优化营销策略、完善考核机制、扩大核心优质资产及开发新兴合作主体等方面，提出了八项具体的优化改进对策。同时，列举了相关的保障措施，以促使苏州分行的票据业务，能够在集约化的管理模式下实现差异化的发展。希望能够对MS银行苏州分行和其他商业银行票据业务的发展提供一定的参考意见。 关键词：票据业务；同质化竞争；策略优化
英文摘要：	Abstract As an important part of China's financial market, bill market plays a very important role in promoting the liquidity of financial market, supporting the financing of small and medium-sized enterprises, transmitting monetary control policies, and improving the operating efficiency of commercial banks. With the deepening of China's financial market reform, the proportion of bill business in the money market has been increasing year by year, and it has become the business target that commercial banks are competing for. Bills have entered the era of standardization and have incomparable development advantages over other non-standard financing products. As the bill market becomes more and more mature, the traditional growth model of bill operation is no longer sustainable. Commercial banks need to accelerate the pace of reform and innovation, optimize the bill operation strategy, and promote the sustainable development of bill business. The bill business of MS Bank Suzhou Branch has always been the main source of profit of the branch. In recent years, the bill business of the Suzhou Branch has been on the decline, and the bill development has encountered certain obstacles. How to seek new breakthroughs and grasp the development opportunities under the background of stricter supervision, financial disintermediation, narrowing interest margin and intensified homogenization competition has become an important subject for the development of the bill business of Suzhou Branch. Through full and detailed data listing, this paper makes an in-depth study of the development situation and challenges of the bill business of MS Bank Suzhou Branch in recent years, sums up the relevant influencing factors of the limited development of the bill business of the Suzhou Branch, and then puts forward practical optimization and improvement countermeasures. By means of comparative analysis and empirical analysis, this paper compares the development modes of the bill business of various excellent branches in MS banking system, and summarizes the advanced experience that can be used for reference in the development of the bill business of Suzhou branch. Combined with the actual situation of Suzhou Branch, eight specific optimization and improvement countermeasures are put forward from the aspects of optimizing marketing strategy, improving the assessment mechanism, expanding the core quality assets and developing new cooperative subjects. At the same time, it lists the relevant safeguard measures to promote the bill business of Suzhou Branch to achieve differentiated development under the intensive management mode. Hope to provide some reference for the development of the bill business of MS Bank Suzhou Branch and other commercial banks. Key words: Bill Business；Homogeneous competition；strategy optimization
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