本文關(guān)鍵詞： 銀行 企業(yè)金融業(yè)務(wù) 轉(zhuǎn)型　出處：《山東大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：中國(guó)經(jīng)濟(jì)走過(guò)了快速發(fā)展的三十年,在過(guò)去的三十年里銀行一直為我國(guó)經(jīng)濟(jì)的發(fā)展提供著核心的金融資源支持。但傳統(tǒng)的單一銀行借貸金融已無(wú)法支撐中國(guó)經(jīng)濟(jì)的再次騰飛,中國(guó)的金融環(huán)境出現(xiàn)了實(shí)質(zhì)性變化。從利率市場(chǎng)化到金融脫媒再到資本監(jiān)管的加強(qiáng),商業(yè)銀行的金融生存環(huán)境出現(xiàn)了急劇變化,同時(shí)在這種新環(huán)境下,商業(yè)銀行的內(nèi)部矛盾不斷凸顯。這些矛盾體現(xiàn)在自身業(yè)務(wù)擴(kuò)張的需求和本身資源有限的矛盾；客戶融資需求多元化和本身業(yè)務(wù)單一的矛盾；客戶規(guī)模擴(kuò)張和提升客戶收益的矛盾以及客戶結(jié)構(gòu)失衡的矛盾。這些矛盾問(wèn)題已成為套在商業(yè)銀行業(yè)務(wù)發(fā)展上的枷鎖,讓其舉步維艱,甚至精疲力竭。所以我國(guó)商業(yè)銀行已到了轉(zhuǎn)型的關(guān)鍵節(jié)點(diǎn)。 公司業(yè)務(wù)作為商業(yè)銀行的主營(yíng)業(yè)務(wù),它的轉(zhuǎn)型發(fā)展將對(duì)探討商業(yè)銀行轉(zhuǎn)型具有實(shí)質(zhì)性意義。本文從XY銀行濟(jì)南分行企業(yè)金融業(yè)務(wù)發(fā)展的實(shí)際出發(fā),通過(guò)理論知識(shí)與實(shí)踐相結(jié)合,采用調(diào)查法和文獻(xiàn)法對(duì)XY銀行濟(jì)南分行企業(yè)金融業(yè)務(wù)所處的外部環(huán)境和內(nèi)部情況進(jìn)行了綜合系統(tǒng)的分析�？偨Y(jié)出XY銀行濟(jì)南分行企業(yè)金融業(yè)務(wù)面臨著利率市場(chǎng)化、金融脫媒、資本監(jiān)管加強(qiáng)的外部威脅,同時(shí)其自身也有產(chǎn)品使用率低,客戶粘性差；資源緊張,業(yè)務(wù)擴(kuò)張受限；客戶基礎(chǔ)薄弱,回報(bào)率低,穩(wěn)定性較差；業(yè)務(wù)同質(zhì)化嚴(yán)重,盈利結(jié)構(gòu)單一等一系列問(wèn)題。 通過(guò)進(jìn)一步分析我們可以看出,這些威脅問(wèn)題其實(shí)質(zhì)上都在引導(dǎo)逼迫著XY銀行濟(jì)南分行企業(yè)金融業(yè)務(wù)朝著四個(gè)方向進(jìn)行業(yè)務(wù)發(fā)展的轉(zhuǎn)變,即資本節(jié)約,綜合金融,內(nèi)涵提升,特色化經(jīng)營(yíng)。XY銀行濟(jì)南分行的企業(yè)金融業(yè)務(wù)的具體轉(zhuǎn)型策略就是以這四個(gè)導(dǎo)向?yàn)榛A(chǔ)再結(jié)合自身的實(shí)際情況形成的。即通過(guò)新興業(yè)務(wù)和考核指標(biāo)創(chuàng)新實(shí)現(xiàn)資本節(jié)約；通過(guò)加強(qiáng)金融同業(yè)合作為客戶提供靈活的金融服務(wù)方案實(shí)現(xiàn)綜合金融服務(wù)；通過(guò)做深做透中小企業(yè)市場(chǎng)實(shí)現(xiàn)內(nèi)涵提升；通過(guò)綠色金融業(yè)務(wù)實(shí)現(xiàn)差異化特色化經(jīng)營(yíng)。 濟(jì)南分行企金業(yè)務(wù)的轉(zhuǎn)型,將是一場(chǎng)深刻的內(nèi)涵轉(zhuǎn)型,這將對(duì)濟(jì)南分行的企金經(jīng)營(yíng)人員提出更高的素質(zhì)要求和技能標(biāo)準(zhǔn),也將對(duì)濟(jì)南分行企金業(yè)務(wù)的各項(xiàng)運(yùn)營(yíng)提出更多的挑戰(zhàn)。所以濟(jì)南分行要想深刻貫徹企金轉(zhuǎn)型的策略方針,就必須做好相關(guān)的保障措施。具體來(lái)說(shuō),濟(jì)南分行要從人力資源、組織和考核機(jī)制、風(fēng)險(xiǎn)管理、資源配置四個(gè)方面做好企金業(yè)務(wù)轉(zhuǎn)型的保障工作。 以上即為本人結(jié)合自身在XY銀行濟(jì)南分行的工作經(jīng)歷,運(yùn)用所學(xué)的知識(shí),對(duì)濟(jì)南分行當(dāng)前一直在思考的企業(yè)金融業(yè)務(wù)轉(zhuǎn)型問(wèn)題進(jìn)行的有針對(duì)性的研究。希望通過(guò)本文的研究,能對(duì)濟(jì)南分行企金業(yè)務(wù)轉(zhuǎn)型工作有一定的參考意義和應(yīng)用價(jià)值。
[Abstract]:China's economy has been developing rapidly for 30 years. In the past 30 years, banks have been providing core financial resources for the development of China's economy. However, the traditional single bank lending finance has been unable to support the Chinese economy to take off again. China's financial environment has undergone substantial changes. From the marketization of interest rates to financial disintermediation and then to the strengthening of capital supervision, the financial survival environment of commercial banks has undergone dramatic changes. At the same time, under this new environment, The internal contradictions of commercial banks are constantly highlighted. These contradictions are reflected in the contradictions of their own business expansion needs and their own limited resources, the diversification of customer financing needs and the contradiction of their own single business. The contradiction between the expansion of customer scale and the increase of customer income, as well as the contradiction of customer structure imbalance, have become the shackles of the development of commercial bank business. Even exhausted. So our commercial banks have reached the key point of transformation. Company business as the main business of commercial banks, its transformation and development will be of substantive significance to discuss the transformation of commercial banks. Through the combination of theoretical knowledge and practice, The external environment and internal situation of the financial business of XY Bank Jinan Branch are systematically analyzed by means of investigation method and literature method. It is concluded that the financial business of XY Bank Jinan Branch is facing marketization of interest rate and financial disintermediation. At the same time, it also has its own low utilization rate of products, poor customer stickiness, tight resources, limited business expansion, weak customer base, low rate of return, poor stability, and serious business homogeneity. Profit structure is single and so on a series of problems. Through further analysis, we can see that these threats are actually leading and forcing XY Bank Jinan Branch to change its business development in four directions, namely, capital saving, comprehensive finance, and promotion of connotation. The specific transformation strategy of enterprise financial business in Jinan Branch of XY Bank is formed on the basis of these four orientations and combined with its own actual situation, that is, to realize capital saving through the innovation of new business and examination index; Through strengthening financial interbank cooperation to provide flexible financial services for customers to achieve comprehensive financial services; through deep penetration of small and medium-sized enterprises to achieve the connotation of the market; through green financial services to achieve differentiated characteristics of management. The transformation of Jinan Branch's enterprise fund business will be a profound connotation transformation, which will put forward higher quality requirements and skills standards for the Jinan branch's enterprise capital management personnel. It will also pose more challenges to the various operations of the Jinan Branch's enterprise capital business. Therefore, if the Jinan branch wants to carry out the strategic policy of the transformation of the enterprise fund deeply, it must do a good job of relevant safeguards. Specifically, the Jinan branch must start from the human resources. Organization and evaluation mechanism, risk management, resource allocation four aspects to ensure the business transformation. The above is my own working experience in XY Bank Jinan Branch, using the knowledge learned, Jinan Branch has been thinking about the enterprise financial business transformation problem targeted research. Hope through this study, Jinan Branch can be a certain reference for the business transformation and application value.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.2

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本文編號(hào)：1523393