【作者】 杨涛；

【导师】 彭迪云；

【作者基本信息】 南昌大学 ， 工商管理， 2009， 硕士

【摘要】 伴随我国经济持续发展和金融体制改革的日益深入,国内各商业银行逐步将个人银行业务作为主要经营战略之一,个人金融业务发展已提升到经营战略高度。当前中小股份制银行相对于国有商业银行及外资银行而言,个人银行业务发展基础相对薄弱,如何根据国情、行情,探索出一条个人银行业务快速发展之路,是中小股份制银行必须认真思考的重大课题。本文运用PEST理论、五力模型理论、SWOT模型理论等相关理论和分析工具,研究了中小股份制银行发展个人银行业务的宏观环境、行业竞争环境以及总体态势,以A银行为例,分析和论证了中小股份制银个人银行业务发展的策略,提出了有关对策和措施。全文在结构上共分7章。第一章为导论,论述了选题背景、研究目的与意义、国内外研究现状以及研究内容与方法等;第二章介绍了中小股份制银行及个人银行业务的涵义、特点以及国内外个人银行业务发展历程和趋势;第三章运用相关理论和分析工具,分析了中小股份制银行发展个人银行业务的宏观环境、行业竞争环境以及总体态势;第四章从宏观及微观层面研究了中小股份制银行发展个人银行业务的策略;第五章提出并分析了中小股份制银行发展个人银行业务的对策与措施;第六章结合本人实际工作岗位和工作经验,以A银行为例,分析和论证了中小股份制银个人银行业务发展的问题与策略思路;第七章为结论和展望。个人银行业务是未来银行业务重要的发展方向。中小股份制银行作为我国银行中最具有活力的银行,要在个人银行业务方面形成的优势,必须充分利用自身现有的资源与能力,抓住环境提供的机会,发挥自己的长处,将外部环境的机会、威胁与内部的优势、劣势结合起来,坚持差异化策略,实施客户、产品、品牌、区域、渠道的差异化,转变营销理念,创新产品,加快队伍建设,建设具有核心竞争力的可持续发展能力。更多还原

【Abstract】 Accompany with the development on Chinese sustainable economic development and reform on Financial system, the Personal Banking Business has got more and more important position in the major operating strategy of Chinese banks, the development of Personal Banking Business has been put to a strategic level. Comparing with big nation-owned banks and foreign banks, the middle and small sized shareholding banks have weak foundation on the development of the business. So, it is an important issue that how to develop the business in a quick and proper way which those middle and small sized banks must consider seriously.In this article, the PEST theory, Michael Porter’s Five Forces Model theory, SWOT theory and other analyzing tools are used to study the general situation and industrial competition circumstance on development of the business for those middle and small sized banks. Such as Bank A, the article has studied the strategy on the development of the business, and given solutions and measures. The article has 7 chapters, in which Chapter 1 is the introduction, has analyzed background, purpose and meaning of the study, introduced existing domestic and international situation. Chapter 2 has introduced definition and characters of the Personal Banking Business and analyzed the history and trend of the international and domestic business. Chapter 3 has used concerning theories and tools to analyze the general situation and industrial competition circumstance on development of the business for those middle and small sized banks. Chapter 4 has studied strategy to the development of the business for those middle and small size banks from general and detailed sides. Chapter 5 has given the solutions and measures to the development of the business. Chapter 6 has taken Bank A as an example, combined with personal working experience to study and analyze the problems and strategy to the development of the business. Chapter 7 is the conclusion and outlook.Personal Banking Business is an important direction to the future bank’s development. The middle and small sized banks have much dynamics in the industry. If they want to get the first chance, they must utilized the resources and capability they have now, catch the chances from the market, taking their advantages, combine the opportunities, threatens, advantages and disadvantages. The must insist the strategy to different customers. Take differences to customers, products, brands, regions and channels. The must change their operating ideas, make new products, accelerate construction on the teams, build competition and continuous development capabilities.更多还原