邯郸建行个人中间业务发展战略分析word格式论文.docxVIP

摘要商业银行的中间业务，指不构成商业银行表内资产、负债，可为银行带来非利 差收入的业务。在国际金融发展史上，商业银行中间业务已有 160 多年的历史，并 在近三十多年来得到了快速发展。但在中国，银行业特别是国有银行直到上世纪末 才真正走向商业化经营之路，中间业务的发展尚处于初级阶段。世界经济的快速发 展使得我国与发达国家经济、金融关系日益加深，国内银行商业化改制转型的步伐 加快，同时商业银行的竞争环境越来越复杂，利率市场化初现端倪，单纯依靠传统 利差收入将很难同国际银行进行竞争。为满足广大客户对银行服务的个性化、多样 化需求，同时为提高自身的价值创造能力和市场竞争力，国内银行必须大力发展中 间业务。中国建设银行作为大型国有控股商业银行之一，上市前的运营业务主要是以存 款、贷款和实现资金的流转汇为主。邯郸分行作为河北省建行的二级分行，凭借优 越的地理环境，伴随地方经济的蓬勃发展，一步一步发展壮大，多年来业绩斐然。 然而从 2009 年开始，大量股份制商业银行抢滩邯郸，成为了当地金融市场的搅局 者，力求创新已成为各家银行争夺市场的最有效竞争手段，业务发展面临重新洗牌的挑战。本文从阐述中间业务产生背景开始，进而介绍了中间业务的定义、分类、特点 以及未来发展趋势，通过对建行邯郸分行个人中间业务的发展环境、基本概况、影 响因素和主要问题进行剖析，从理念定位、发展方向、营销和品牌战略、渠道发展 以及体制变革和机制优化等方面提出邯郸建行发展个人中间业务的指导思想、发展 目标和发展战略，进而对建行邯郸分行的下一步发展提出了具体的建议。希望能够 有助于解决该行在发展个人中间业务过程中所遇到的经营和管理问题，同时也为其 他商业银行发展个人中间业务提供一些有益的借鉴。关键词：银行个人中间业务经营环境发展战略AbstractThe intermediary business of the commercial banks, which does not exist in the commercial bank assets and liabilities balance sheet, may bring non-spread revenue for the banks business. In the international financial history, the intermediary business of the commercial banks, which has been 160 years of history, has developed rapidly in the past three decades. But in China, the banking, especially state-owned Banks, truly go on the commercial operation road until the end of last century, the development of the intermediary business is still in the primary stage. The economic and financial relationship between our country and the developed countries is deepened in the rapid development of the world economy, domestic commercial banks accelerate the pace of restructuring in transition, and competitive environment of the commercial banks is increasingly complex, the interest rate market first emerged, so it will be difficult to compete with international banks which rely solely on traditional spread income. To meet our customers personalized banking services and diversification needs while improving their ability to create value and market competitiveness, domestic banks must develop intermediary business.China constructi