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| 论文编号： | 4682 | |
| 作者编号： | 2120102489 | |
| 上传时间： | 2012/12/10 19:38:39 | |
| 中文题目： | 我国城市商业银行零售业务创新策略研究 | |
| 英文题目： | Research on Retailed Banking Creation Strategy of Chinese City Commercial Banks | |
| 指导老师： | 王曼舒 | |
| 中文关键字： | 城市商业银行 零售产品 创新策略 | |
| 英文关键字： | City Commercial Banks, retailed banking product, creation strategy | |
| 中文摘要： | 随着我国金融体制改革的逐步推进，以城市商业银行为代表的中小商业银行在自身资本金不足、网点数量少、业务不全面、人员储备不足等不利条件下，需要依托自身优势充分发挥城市商业银行作为本区域居民身边银行的便利条件，依托旨在提高个人客户体验的业务创新，在收益性、安全性、便捷性等方面为客户提供更为贴心的金融服务，在与大型国有商业银行、全国性股份制商业银行以及外资银行的激烈竞争中，精确定位目标客户群，找寻市场切入点和立足点，实现自身利润的稳步提升，在竞争中不断发展壮大。本文在大量阅读文献基础上，对国内外商业银行零售业务和零售业务创新的发展进行归纳总结，利用SWOT模型等分析工具，采用理论分析与实证分析相结合、归纳方法与演绎方法相结合以及比较分析与规范分析相结合的方法，通过对城市商业银行这一类银行业金融机构在同业竞争中的优劣势以及内外部环境的分析，结合国内外商业银行的零售业务创新发展的历史沿革和未来发展趋势，提出了城市商业银行零售业务创新发展中的三项新策略，即以市场为导向开展零售业务创新、避免同质化竞争和品牌化产品提高产品市场影响力。并以昆仑银行为例，将创新策略与其实际情况相结合提出了切实可行的四项具体工作措施。 | |
| 英文摘要： | With the accelerated reform of Chinese financial system, the small and medium-sized commercial banks face many weakness, which are the shortage of capital, bank branches, business and talented staff. This phenomenon is especially common in City Commercial Banks. Therefore, the City Commercial Banks need to make good use of their advantages, developing their availability and creation. They should provide more convenient financial service in profitability, safety and convenience. Only in this way can they target customers, find the market starting point, make increasing profit, develop and expand in the fierce competition between the state-owned commercial banks and national joint -stock commercial banks. Reading great sum of documents, the author summarize retailed banking and retailed banking creation home and abroad. There are SWOT model, theory analysis and empirical analysis, inductive method and deductive method, comparative analysis and normative analysis in this thesis. Meanwhile, the thesis analyzes the advantage and disadvantage, the internal and external environment of City Commercial Banks. Referring to the history and future of retailed banking creation, the thesis points out three new strategies of retailed banking creation of City Commercial Banks. These three strategies are market-oriented, competition on difference and branding strategy. At the same time, taking the Kunlun Bank for example, the thesis explores four working measures, combining the creation strategy and practice. | |
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