【摘要】：近年來隨著人們的物質(zhì)生活水平逐步提高，，私人財富開始不斷積累，人們對投資理財?shù)年P(guān)注度不斷加大，個人金融業(yè)務(wù)越來越受到商業(yè)銀行的追捧，商業(yè)銀行開始將個人金融業(yè)務(wù)重點放在個人以及家庭為主的金融產(chǎn)品的設(shè)計和研發(fā)，正因如此，個人金融業(yè)務(wù)在商業(yè)銀行的整個盈利額所占據(jù)的份額在不斷的增長，一時間個人金融業(yè)務(wù)成為商業(yè)銀行重要的業(yè)務(wù)，也是最重要的盈利性業(yè)務(wù)。近年來，包頭作為重要的工業(yè)城市，個人金融資產(chǎn)在結(jié)構(gòu)和總量方面有了重大的變革，對于包商銀行來講，是發(fā)展個人金融業(yè)務(wù)難得的機(jī)遇。個人經(jīng)濟(jì)收入和個人財富的不斷積累，勢必會對個人金融業(yè)務(wù)提出更高的要求，同時也為包商銀行發(fā)展個人金融業(yè)務(wù)提供了更加廣闊的市場空間。 本文以包商銀行個人金融業(yè)務(wù)競爭力為研究對象，運用文獻(xiàn)綜述法研究了個人金融業(yè)務(wù)國內(nèi)外研究現(xiàn)狀和相關(guān)理論，以此為基礎(chǔ)運用PEST研究模型和SWOT分析法研究了包商銀行個人金融業(yè)務(wù)發(fā)展的內(nèi)外環(huán)境，運用實證分析法對包商銀行個人金融業(yè)務(wù)競爭力現(xiàn)狀進(jìn)行了系統(tǒng)分析，指出包商銀行個人金融業(yè)務(wù)發(fā)展中在內(nèi)部控制制度方面和人力資源管理方面需要進(jìn)一步加強(qiáng)，最后結(jié)合國內(nèi)外商業(yè)銀行個人金融業(yè)務(wù)研究現(xiàn)狀和相關(guān)理論，提出了包商銀行個人金融業(yè)務(wù)競爭力的提升對策：一是進(jìn)行客戶細(xì)分拓展?jié)撛谫F賓客戶，進(jìn)一步提升盈利能力，按照不同客戶需求將客戶劃分為四種細(xì)分客戶，分別是普通客戶、中端客戶、高端客戶和高凈值私人客戶，通過對客戶的細(xì)分，針對不同客戶需求提供不同的產(chǎn)品和服務(wù)，以此進(jìn)一步提升包商銀行個人金融業(yè)務(wù)盈利能力。二是健全和完善公司治理結(jié)構(gòu)，三是大力挖掘潛在競爭力，培育核心競爭力。本文的研究對包商銀行個人金融業(yè)務(wù)的發(fā)展是一個新的定位，對于包商銀行明確未來的發(fā)展目標(biāo)和思路，更好的提供個性化服務(wù)水平，實現(xiàn)差異化競爭力的提升，拓展市場等各個方面都有十分重要的現(xiàn)實意義。
[Abstract]:In recent years, with the gradual improvement of people's material living standards, private wealth began to accumulate, people pay more and more attention to investment and financial management, and personal financial business is more and more sought after by commercial banks. Commercial banks begin to focus their personal financial business on the design and development of individual and family-oriented financial products. As a result, the share of individual financial business in the total profits of commercial banks is constantly growing. Personal financial business has become an important business of commercial banks, but also the most important profitable business. In recent years, Baotou as an important industrial city, personal financial assets in the structure and total amount of major changes, for the contractor banks, the development of personal financial business is a rare opportunity. The accumulation of personal income and personal wealth is bound to put forward higher requirements for personal financial business, but also provides a broader market space for the contractor bank to develop personal financial business. This paper takes the competitiveness of individual financial business of the contractor bank as the research object, and studies the domestic and foreign research status and related theories of personal financial business by the method of literature review. On this basis, this paper studies the internal and external environment of the development of individual financial business of the contractor bank by using the PEST research model and the SWOT analysis method, and makes a systematic analysis of the current situation of the individual financial business competitiveness of the contractor bank by using the empirical analysis method. It is pointed out that the internal control system and human resource management should be further strengthened in the development of individual financial business of the contractor bank. Finally, combined with the current research situation and relevant theories of personal financial business of commercial banks at home and abroad, This paper puts forward the countermeasures to enhance the competitiveness of individual financial business of the contractor bank: first, to expand the potential VIP customers by customer segmentation, to further enhance profitability, and to divide the customers into four subdivision customers according to different customer needs. They are ordinary customers, middle end customers, high-end customers and high net worth private customers. Through the subdivision of customers, different products and services are provided according to different customer needs, so as to further enhance the profitability of individual financial business of the contractor bank. The second is to perfect and perfect the corporate governance structure, the third is to tap the potential competitiveness and cultivate the core competitiveness. The research of this paper is a new orientation for the development of the individual financial business of the contractor bank. It is clear to the contractor bank the future development goal and the train of thought, provides the individualized service level better, realizes the differentiation competitive power enhancement. Expanding the market and other aspects have very important practical significance.
【學(xué)位授予單位】：內(nèi)蒙古財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.2

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