浦发银行南京分行票据业务发展策略研究

【作者】 张昊；

【导师】 邵一明；

【作者基本信息】 南京理工大学 ， 工商管理， 2011， 硕士

【摘要】 中国银行业监管部门提高商业银行资本充足率的管理要求,以及日益推进的利率市场化促使国内商业银行谋求“存贷经营模式”的转型,推动商业银行业务管理和盈利模式不断创新。银行资本配置和资本考核已成为商业银行经营管理的重中之重,主动利率管理、资产交易化等经营模式,成为商业银行创新盈利和管理的重要手段。信贷投放规模冲动和通货膨胀预期使得政府采取强力刺激经济措施、金融监管以及商业银行经营与风险管理处于两难之地,对商业银行盈利提升、风险管理和战略转型带来了压力。而票据承兑、贴现、转贴现等票据业务作为近年来国内银行业的重点发展业务,以其相对的低风险权重、低资本耗用优势,以及高流动性、集约化经营等业务特点带来的高收益,日渐为各行所重视,正发展为连接货币市场、信贷市场的跨市场金融服务,可以加快商业银行的业务转型,提升中间业务收益和风险资产收益。本文根据浦发银行南京分行经营战略、票据业务发展要求,从行业、市场、业务及客户营销模式等多个维度出发,通过对比研究竞争对手的业务发展,找出问题,结合自身的特点,尝试为浦发银行南京分行票据业务发展提出策略方案。更多还原

【Abstract】 In recent years, China’s banking regulator improves their managing standards concerning the capital adequacy ratio of commercial banks. Increasingly promoted market-oriented interest rate urges domestic commercial banks to make the transition to "the deposit and lending business model" and pushes innovation of commercial banking management & profit model. Therefore, assessment of banking capital allocation and management becomes the most important part of the commercial banks. Also, business models, such as active interest rate management and capital transactions, turn into the most significant means to achieve innovative earnings and efficient management. Considering current irrational credit size and inflation expectation which makes commercial banks into dilemma between operation & risks, China government takes strong measures to stimulate the economy and the financial supervision, which on the other hand brings direct pressure on the banks’profit increment, risk management and strategic transition.The business notes, such as bill acceptance, discount & rediscount, are the focus of the domestic banking with its relatively lower risk, lower cost, and higher mobility. It has become the cross-market financial service to connect money market and credit market, accelerating business transformation & improving intermediary business income and risk assets.In this thesis, we will identify problems by comparing with the development of competitors and try to propose a suitable notes program for Shanghai Pudong Development Bank Nanjing Branch with its own characteristics from the angles of industry, market, business and customer marketing models.更多还原