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| 论文编号： | 5653 | |
| 作者编号： | 2220110602 | |
| 上传时间： | 2013/11/28 0:28:02 | |
| 中文题目： | 中信银行零售业务密集型增长战略研究 | |
| 英文题目： | The Research of CITIC Bank Retail Business Intensive Growth Strategy | |
| 指导老师： | 王迎军 | |
| 中文关键字： | 零售业务 转型 密集型增长战略 | |
| 英文关键字： | Retail banking, Transformation, Intensive growth strategy | |
| 中文摘要： | 在国内外经济形势风云变幻，中国利率化改革不断推进的大环境背景下，我国银行业的发展面临着重重挑战。面对外资银行业务扩张的侵蚀，民营银行、小额信贷的兴起，如何在不进则退的浪潮中寻求突破、谋得发展成为各家商业银行必须要面对的问题。随着我国人均储蓄水平的不断提高，吸取国外领先银行的成功经验，大力发展零售银行业务，开展零售业务战略转型，成为各家银行迈向未来的必经之路。 中信银行成立于1987年，作为一家在国内外享有盛誉的股份制商业银行，26年来在公司业务、国际业务等方面取得了令人瞩目的成绩，但在零售业务方面一直较为薄弱。 2000年起，中信银行正式开始零售业务转型，将密集型增长战略的三种战略形式应用到实践中，提出“新支点”项目和大零售的理念，积极加强对现有产品、现有市场的开发，着力打造私人银行业务和新世代的金融服务，建设具有财富管理特色有核心竞争力的零售银行。 | |
| 英文摘要： | Under the environment of changing economic situation at home and abroad, the reform of China’s interest rates continue to promote, the development of China’s banking industry is facing many challenges. Faced with the foreign bank’s business expansion erosion and the rise of private banks and microfinance, how to seek a breakthrough behind the wave is a big problem all commercial banks must to face. With China’s increasing levels of per capita savings, learning to the successful experience of leading foreign banks, develop retail banking become the only way for banks to go to future. The CITIC Bank founded in 1987, as a joint-stock commercial bank renowned at home and abroad, has made remarkable achievements in the company and international business during the 26 years, but the retail business was relatively weak. Since 2000, the CITIC Bank began the transformation of retail business officially. Put the three strategies of intensive growth strategy into practice, proposed “new fulcrum” and large retail concept, strengthen the development of existing product and existing market, strive to build a new generation financial service and private banking, construct a retail banking with wealth management features and core competitiveness. | |
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