==>> 点击下载文档 |
关键词:银行;利润增长;信贷管理;风险管理II
Abstract
This paper starts with the current situation and profit realization of M bank, and
finds out that under the influence of the common factors such as the external factors
such as the slowdown of macroeconomic growth, the competition factors such as the
inter-bank competition, internal factors such as unreasonable loan structure, the M
bank&39;s profit growth slowed in recent years. Based on the study of economic growth
theory, asset liability management theory, risk management theory and PEST analysis
method, the theoretical basis of profit growth strategy of banking industry is found out.
At the same time ,drawing on the domestic Minsheng Bank, Ping An Bank, as well as
foreign Citibank, HSBC&39;s profit growth experience, to find the M Bank in the
optimization of organizational change, bank recycling, using advanced technology to
innovate financial products, personal finance and other aspects of the reality of reform
example. And then found a suitable for the development of M Bank&39;s own
characteristics of the slowdown in profit growth solution: to strengthen credit
management, the development of financial management business, the development of
bill business, expand the private banking business, the Internet and other high-tech
means better integration in the traditional banking business 5 big profit growth strategy
and the corresponding safeguard measures.
Key words: bank; profit growth; credit management; risk managementIII
目录
中文摘要...I
Abstract ....II
绪论.......... 1
一、研究的背景...... 1
二、研究的目的与意义...... 1
三、国内外研究现状.......... 2
四、研究的内容与方法...... 5
第一章 理论基础.......... 7
第一节 利润增长概述...... 7
一、利润的定义.......... 7
二、商业银行利润的定义...... 7
三、实现利润的途径.. 8
第二节 相关理论.. 8
一、经济增长理论...... 8
二、资产负债管理理论.......... 9
三、风险管理理论.... 10
四、PEST 分析法...... 10
本章小结.... 12
第二章 M 银行业务经营现状与利润实现情况......... 13
第一节 M 银行概况........ 13
一、M 银行简介........ 13
二、M 银行发展策略及经营特点.... 14
第二节 M 银行业务经营状况.... 16
一、M 银行近年来总体经营状况.... 16IV
二、M 银行在业务转型方面的情况 19
第三节 M 银行利润实现的情况 21
一、M 银行近年来的利润指标情况 21
二、M 银行利润构成及变化趋势.... 22
本章小结.... 23
第三章 影响 M 银行利润增长因素分析........ 24
第一节 外部环境因素.... 24
一、GDP 增速放缓... 24
二、市场政策发生变化........ 26
第二节 行业竞争因素.... 27
一、货币供应及利率改变.... 27
二、新产品介入带来的竞争 28
第三节 内部因素 29
一、贷款结构不合理 29
二、利润来源单一.... 31
本章小结.... 32
第四章 国内外银行利润增长经验及对 M 银行的启示........ 33
第一节 国内银行实现利润增长的经验 33
一、民生银行利润增长的经验........ 33
二、平安银行利润增长的经验........ 34
第二节 国外银行实现利润增长的经验 36
一、花旗银行实现利润增长的经验 36
二、汇丰银行实现利润增长的经验 37
第三节 对 M 银行的启示........... 38
一、国内银行带来的启示.... 38
二、国外银行带来的启示.... 39
本章小结.... 40V
第五章 促进 M 银行利润增长的策略及保障措施..