【作者】 钟华；

【导师】 凌爱凡；

【作者基本信息】 江西财经大学 ， 工商管理， 2020， 硕士

【摘要】 九江银行作为江西省地方城市商业银行,立足九江、扎根江西、辐射全国,不断进行业务发展一直是其核心经营理念。新时代的中国,我国商业银行的生存及发展环境发生了剧烈的变化,面临着经济增长速度下降、利率市场化制度改革、同业竞争激烈和互联网金融冲击四大主要问题。因此,传统银行业务已经不能满足现代客户们的需要,新业务发展是各银行紧抓的重点,也是迫在眉睫的转型关键。商业银行的可持续发展需要不断进行业务创新,这是国际银行发展的经验,也是我国商业银行发展方向。本文所研究的对象是九江银行的新建支行,对于区域性银行而言,狭义的定义是位于某一特定地域,并且服务范围局限于当地。国内外对于区域性银行的研究有很多,但是更多集中在区域性银行的风险管理、金融监管、网点转型等方面,较少地研究商业银行的业务发展方面本身存在的问题。因此,本文以九江银行新建支行为例来研究商业银行的业务发展具有重要的理论意义和实践意义。本文运用了理论研究和案例研究两种分析方法,重点分析了商业银行业务发展中存在的问题,并研究了在经济新形势下九江银行新建支行的业务发展问题。首先,通过对商业银行业务发展与创新理论研究,从基础理论视角分析表明,商业银行所面临的政治、监管、经济、技术等外界环境改变和商业银行体系的内在强烈利益竞争是导致商业银行开展创新的主要诱因,如果这两者同时发生,商业银行的业务发展将会取得显著成效。从宏观因素和微观因素两方面进行分析,挖掘影响商业银行业务发展的因素,同时对商业银行业务发展进行SWOT分析,并从积极拓展表外业务,多元化经营、推进信贷资产证券化、与互联网金融协同发展、加强产品创新,开发衍生品和商业银行的国际化发展五个方面探讨商业银行业务的发展途径。基于上述理论,论文重点研究了九江银行新建支行业务发展现状,通过实地走访调查客户获取第一手数据,论文就九江银行新建支行业务发展中存在的问题进行了深入地探讨,从商业银行的资产业务、负债业务、中间业务三个方面进行分析和研究,并结合新建区其他银行业务发展对九江银行新建支行业务发展的影响和比较分析,从中发现九江银行新建支行在业务发展过程中存在的问题。论文的研究发现当前九江银行新建支行在业务发展方面存在较多问题,主要包括:一是支行服务意识和服务质量有待提升,导致客户忠诚度不够;二是业务推广成效不佳,未能按照总、分行思路及时开拓新业务;三是员工队伍建设有待提高,未能为业务发展提供足够的人力资源保障;四是支行产品种类较为保守和单一,营销思路和创新不足,无法分层次满足各类客户需求;五是风险防控能力较弱,缺乏新业务发展的风险防范能力。基于论文的研究结果,通过对九江银行新建支行业务发展过程中存在的问题进一步分析从而提出具有实际操作性、针对性的政策建议。对九江银行新建支行在业务发展方面,论文提出了如下建议:一是要做强对公,做优零售,实现业务协同发展;二是要积极响应政策号召,推动绿色金融业务发展;三是结合当地特色产业,发展供应链金融;四是创新普惠金融产品,拓展服务客户群体。更多还原

【Abstract】 As a local city commercial bank in Jiangxi Province,Bank of Jiujiang is based in Jiujiang,rooted in Jiangxi,and radiates across the country.Continuous business development and innovation has always been its core guiding ideology.In the new era of China,the survival and development environment of my country’s commercial banks has undergone drastic changes,facing four major issues: the decline in economic growth,the reform of the interest rate market-based system,fierce competition in the industry and the impact of Internet finance.Therefore,traditional banking services can no longer meet the needs of modern customers.Business development and innovation is the focus of banks and the key to imminent transformation.The sustainable development of commercial banks requires continuous banking business innovation.This is the experience of the development of international banks and the development direction of my country’s commercial banks.The object of this article is the newly-built branch of Jiujiang Bank.For regional banks,the narrow definition is that they are located in a specific area and their service scope is limited to the local area.There are a lot of researches on regional banks at home and abroad,but they are more concentrated on the risk management,financial supervision,branch transformation of regional banks,and less research on the business innovation of commercial banks.Therefore,it has important theoretical and practical significance to study the business innovation of commercial banks with the example of the newly-built branch of Jiujiang Bank.This paper uses two analytical methods,theoretical research and case study,focusing on the business innovation of commercial banks and other related issues,and studies the business development and innovation research issues of the new branch of Jiujiang Bank under the new economic situation.First of all,through the theoretical research of commercial bank business innovation,analysis from the perspective of basic theory shows that the political,regulatory,economic,technological and other external environmental changes faced by commercial banks and the strong inherent competition of interests in the commercial banking system have led to commercial banks’ innovation The main incentive is that if the two occur at the same time,the business innovation of commercial banks will have significant results.Analyze both macro and micro factors,explore the factors that affect commercial banking business innovation,and conduct swot analysis on commercial banking business innovation,and actively expand off-balance sheet business,diversify operations,promote creditasset securitization,and Internet The five aspects of coordinated financial development,enhancement of product innovation,development of derivatives and international innovation of commercial banks explore the development approaches of commercial bank business innovation.Based on the above theory,the thesis focuses on the innovation and development status of the new branch of Jiujiang Bank.Through field visits and surveys of customers to obtain first-hand data,the thesis conducted an in-depth discussion on the problems in the business innovation and development of the new branch of Jiujiang Bank,from the asset business,liability business,and intermediary business of commercial banks,including IC bank card business development,and wealth management.Analysis and research on services,three cooperations(cooperation in financial industries such as securities,insurance,funds,etc.),combined with the influence and comparative analysis of the development of other banking services in the new district on the business development of the new branch of Jiujiang Bank,found the new branch of Jiujiang Bank Problems in the process of business development and innovation.The research of the paper found that the new branch of Jiujiang Bank currently has many problems in business innovation and development,mainly including: first,the service awareness and service quality of the branch need to be improved,resulting in insufficient customer loyalty;second,the business promotion is not effective and fails to follow The head office and branches are thinking about exploring new business in a timely manner;third,the construction of the staff team needs to be improved,and it fails to provide sufficient human resources guarantee for business innovation;fourth,the branch’s product types are relatively conservative and single,and marketing ideas and innovation are insufficient,and they cannot meet the needs of different levels.Customer needs;fifth,weak risk prevention and control capabilities,lack of risk prevention capabilities for new business development.Based on the research results of the thesis,through further analysis of the problems in the business innovation process of the new branch of Jiujiang Bank,we put forward practical and targeted policy recommendations.Regarding the innovation and development of the new branch of Jiujiang Bank,the paper puts forward the following suggestions: first,we must keep our mission in mind,root in the ground,based on the characteristics of small and micro enterprises;second,actively respond to policy calls and persist in promoting the development of green finance business;third,actively develop supply Chain finance is integrated with local characteristicindustries;the fourth is to innovate inclusive financial products and create a bright spot for inclusive finance.更多还原