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论文编号：	9262
作者编号：	2120142813
上传时间：	2017/6/15 9:48:16
中文题目：	M银行天津分行私人银行业务经营战略研究
英文题目：	Research on the Management Strategy of Private Banking of M bank Tianjin branch
指导老师：	韩德昌
中文关键字：	M银行天津分行；私人银行业务；SWOT分析；差异化战略
英文关键字：	M Bank Tianjin Branch; private banking business; SWOT analysis; differentiation strategy
中文摘要：	由于受利率市场化、互联网金融等多方面因素的影响，中国银行业靠存贷利差获得高额利润的盈利模式面对巨大考研，银行业面临转型。随着中国经济的快速发展，富裕人群迅速增加，催生了高端财富管理需求，中国私人银行业务顺势而生。私人银行业务在满足高净值人士需求的同时，成为中资银行业务转型的重点领域。但由于中资银行私人银行发展时间短，业务水平低，各家银行私人银行业务产品及服务同质化非常严重。因此,如何才能使私人银行业务得到快速健康发展成为各家商业银行的一个重要课题。本文以M银行天津分行私人银行业务为研究对象，借鉴管理学等理论，进行了私人银行业务发展战略的研究。本文首先介绍了论文的研究背景、意义以及研究内容和方法，对研究所需的竞争战略理论、营销策略理论进行了简单回顾，并着重介绍了部分私人银行业务国内外研究文献，为后续分析提供理论依据。然后，本文对私人银行概况进行了介绍，包括私人银行业务的起源和发展、私人银行业务的定义和特点。在介绍了我国私人银行业务的经营模式后，对M银行天津分行私人银行业务的现状进行详细介绍。之后,通过PEST分析和五力模型分析对其私人银行业务所处的宏观环境、行业环境进行了分析；借助SWOT分析，明晰了M银行天津分行的主要优劣势及面临的机会与威胁，提出了私人银行业务差异化的战略选择，并阐述了具体实施策略及战略实施保障。最后，作者对全文进行了总结，对M银行天津分行私人银行业务进行了展望，并指出全文的不足之处。
英文摘要：	By the influence of interest rate’s marketization, Internet finance and other factors, the Chinese banks’ profit model which relys on the difference of deposit and loan is facing great difficulty.The banking industry is facing transformation. With the rapid development of China's economy, the affluent population has increased rapidly.It gave birth to high-end wealth management needs, and China's private banking business is coming up.Private banking, while meeting the needs of the affluent population , it has become a key area for the transformation of Chinese banks.However, due to the short development time of Chinese Private banking and the low level of business, the homogeneity of private banking products and services is very serious.Therefore, how can the private banking business develop fast and healthily is becoming an important issue to all commercial banks .This paper takes the private banking business of M Bank Tianjin Branch as the research object, drawing lessons from the theory of management and carries on the research on the development strategy of private banking business. This paper firstly introduces the research background, significance and research content and method of the paper,and then makes a brief review of the competitive strategy theory and marketing strategy theory, and introduces some domestic and foreign research literatures of private banking business, and it provides the theoretical basis for the follow-up analysis.Then, this paper introduces the private banking profile, including the origin and development of private banking, the definition and characteristics of private banking.After introducing the business model of private banking business in China, the present situation of M Bank Tianjin Branch's private banking business is introduced in detail.After that, through the PEST analysis and five-force model analysis of its private banking business in which the macro environment, the industry environment were analyzed.With the help of SWOT analysis, it clarifies the main advantages and disadvantages of M Bank Tianjin Branch and the opportunities and threats, and puts forward the differentiation strategic choice of private banking business , and expounds the concrete implementation strategy and strategy implementation guarantee. In the last, the author summarizes the whole paper, and makes a prospect of the private banking business of M Bank Tianjin Branch, and points out the shortcomings of the paper.
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