民生銀行事業(yè)部制改革研究
發(fā)布時(shí)間：2018-07-21 13:47
【摘要】：最近這些年,隨著利率市場(chǎng)化和互聯(lián)網(wǎng)金融的快速發(fā)展,中國(guó)銀行業(yè)的競(jìng)爭(zhēng)環(huán)境越來(lái)越激烈,特別是中小商業(yè)銀行發(fā)展變得更加困難。面對(duì)國(guó)外大型銀行機(jī)構(gòu)的快速發(fā)展和國(guó)內(nèi)大型國(guó)有銀行的不斷威脅,如何保證中小商業(yè)銀行業(yè)健康持續(xù)發(fā)展和實(shí)力的不斷提升成為國(guó)內(nèi)中小商業(yè)銀行急需解決的問(wèn)題。因此,很多國(guó)內(nèi)中小商業(yè)銀行開始研究改革方向和方法,開始嘗試不同的變革來(lái)促進(jìn)發(fā)展。 該篇論文重點(diǎn)研究中國(guó)民生銀行進(jìn)行的事業(yè)部制改革。在研究國(guó)內(nèi)外事業(yè)部制理論基礎(chǔ)上,通過(guò)分析國(guó)外大型商業(yè)銀行事業(yè)部制改革的成功案例,結(jié)合中國(guó)金融業(yè)特殊情況,對(duì)中國(guó)特色的民生銀行事業(yè)部制改革進(jìn)行分析。而不同的銀行有不同的客戶情況,發(fā)展問(wèn)題和市場(chǎng)環(huán)境,所以改革一定要符合自身實(shí)際情況,對(duì)癥下藥,才能取得最終的勝利。本文從民生銀行的公司概況出發(fā),重點(diǎn)闡述了民生銀行事業(yè)部制改革取得成果及貢獻(xiàn)。之后分析了事業(yè)部制改革的困難和存在的問(wèn)題,進(jìn)而對(duì)一些問(wèn)題的優(yōu)化對(duì)策進(jìn)行分析,最終得出民生銀行事業(yè)部制改革的啟示。適度創(chuàng)新和風(fēng)險(xiǎn)控制是今后一段時(shí)期中國(guó)銀行業(yè)改革趨勢(shì)。對(duì)于國(guó)內(nèi)中小股份制銀行來(lái)說(shuō),在風(fēng)險(xiǎn)可控的前提下,針對(duì)各自情況,有步驟、有計(jì)劃、有目標(biāo)的進(jìn)行優(yōu)化和提升,將是提高自身抵御風(fēng)險(xiǎn)能力,優(yōu)化經(jīng)營(yíng)結(jié)構(gòu),提升自身實(shí)力的有效途徑。最后,希望民生銀行今后的發(fā)展越來(lái)越好,也希望中國(guó)金融業(yè)能夠一路高奏凱歌,為中國(guó)經(jīng)濟(jì)發(fā)展做出貢獻(xiàn)。
[Abstract]:In recent years, with the interest rate marketization and the rapid development of Internet finance, the competitive environment of China's banking industry is becoming more and more intense, especially the development of small and medium-sized commercial banks has become more difficult. Facing the rapid development of large foreign banks and the lack of the threat of large state-owned banks in China, how to ensure the healthy holding of small and medium-sized commercial banks The continuous development and the continuous improvement of strength have become an urgent problem for the small and medium commercial banks in China. Therefore, many domestic and small commercial banks have begun to study the direction and methods of the reform and begin to try different changes to promote the development.
This paper focuses on the reform of the undertakings system of the people's livelihood bank of China. On the basis of the study of the domestic and foreign business department system theory, through the analysis of the successful cases of the reform of the large commercial banks in foreign countries and the special circumstances of the Chinese financial industry, the reform of the people's livelihood of the people's livelihood in the Chinese people's livelihood is analyzed. There are different customer conditions, development problems and market environment, so the reform must conform to the actual situation and the remedy to the case, in order to achieve the final victory. This paper, starting from the general survey of Minsheng Bank, focuses on the achievements and contributions of the reform of the Minsheng Banking system. After that, the difficulties and storage of the reform of the system are analyzed. In the case of the problem, then the Optimization Countermeasures of some problems are analyzed, and the Enlightenment of the reform of the Minsheng Bank system is finally obtained. Appropriate innovation and risk control are the trend of China's banking reform in the next period. For small and medium sized joint-stock banks in China, under the premise of risk control, there are steps and plans for each situation. The optimization and promotion of the goal will be an effective way to improve the ability to resist risk, optimize the management structure and improve the strength of our own. Finally, I hope the future development of the Minsheng Bank is getting better and better. It also hopes that China's financial industry will be able to play the song of triumph and contribute to the development of China's economy.
【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.33
本文編號(hào)：2135723
[Abstract]:In recent years, with the interest rate marketization and the rapid development of Internet finance, the competitive environment of China's banking industry is becoming more and more intense, especially the development of small and medium-sized commercial banks has become more difficult. Facing the rapid development of large foreign banks and the lack of the threat of large state-owned banks in China, how to ensure the healthy holding of small and medium-sized commercial banks The continuous development and the continuous improvement of strength have become an urgent problem for the small and medium commercial banks in China. Therefore, many domestic and small commercial banks have begun to study the direction and methods of the reform and begin to try different changes to promote the development.
This paper focuses on the reform of the undertakings system of the people's livelihood bank of China. On the basis of the study of the domestic and foreign business department system theory, through the analysis of the successful cases of the reform of the large commercial banks in foreign countries and the special circumstances of the Chinese financial industry, the reform of the people's livelihood of the people's livelihood in the Chinese people's livelihood is analyzed. There are different customer conditions, development problems and market environment, so the reform must conform to the actual situation and the remedy to the case, in order to achieve the final victory. This paper, starting from the general survey of Minsheng Bank, focuses on the achievements and contributions of the reform of the Minsheng Banking system. After that, the difficulties and storage of the reform of the system are analyzed. In the case of the problem, then the Optimization Countermeasures of some problems are analyzed, and the Enlightenment of the reform of the Minsheng Bank system is finally obtained. Appropriate innovation and risk control are the trend of China's banking reform in the next period. For small and medium sized joint-stock banks in China, under the premise of risk control, there are steps and plans for each situation. The optimization and promotion of the goal will be an effective way to improve the ability to resist risk, optimize the management structure and improve the strength of our own. Finally, I hope the future development of the Minsheng Bank is getting better and better. It also hopes that China's financial industry will be able to play the song of triumph and contribute to the development of China's economy.
【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.33
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，本文編號(hào)：2135723
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