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三期叠加经济新常态下，商业银行对公业务发展面临着复杂环境与来自各方的挑战，
净息差不断收窄，不良率持续攀升，可持续发展受到冲击。商业银行必须积极探索如
何进行对公业务升级转型，以适应客户需求、市场竞争和自身可持续发展需要
本文通过分析三期叠加经济新常态及其对商业银行对公业务的影响，研究三期叠
加经济新常态下商业银行对公业务转型的紧迫性及面临的主要问题，并以苏州姑苏农
行作为转型案例进行剖析，指出在三期叠加经济新常态下，我国商业银行对公业务在
发展转型过程中应注意以下几点：第一是要转变思想认识，明确营销发展重点；第二
是调整组织架构，打造综合营销团队；第三是分析自身优势，走差异化发展之路；第
四是提高创新意识，做大做强投行业务；第五是注重风险防控，保障资产质量稳定
关键词：三期叠加对公业务转型
作者：金晶
指导老师：乔桂明英文摘要三期叠加经济新常态下商业银行对公业务转型研究
II
Research on transformation of corporate business of commercial banks under the
background of new normal with the slowdown in economic growth, making difficult
structural adjustments, and absorbing the effects of previous economic stimulus
policies Illustrated by the example of ABC Suzhou branch Gusu subbranch
ABSTRACT
Corporate business of commercial banks refers to providing services to companies
and institutions. Traditional corporate business includes assets, liabilities and intermediary
business. Corporate business is the main source of income for commercial banks and is an
important way for those banks to enlarge scale and upgrade the position on the market.
Under the background with new normal of the slowdown in economic growth, making
difficult structural adjustments, and absorbing the effects of the previous economic
stimulus policies, the development of corporate business of commercial banks is facing
complex environment and challenge from all sides. NIM keeps narrowing, NPL ratio
continuous climbing, which does create impact on the sustainable development of
commercial banks. It is necessary for those banks to discover the way for transformation of
corporate business to meet the demand for customs, the market competition and the
sustainable development.
This paper is based on analysis of the new normal of the slowdown in economic
growth, making difficult structural adjustments, and absorbing the effects of the previous
economic stimulus policies and its influence on the corporate business of commercial
banks, with the research of the necessity and feasibility of the transformation of corporate
business. According to the example of the transformation of ABC Suzhou Branch Gusu
Subbranch, point out the core during the transformation. Firstly it is necessary to change
ideas and clear and make clear the importance of the marketing development. Secondly
adjust structure of organization and create a strong and comprehensive group. Thirdly三期叠加经济新常态下商业银行对公业务转型研究英文摘要
III
develop on different ways through analysis of individual advantages. Fourthly improve
creative ideas to enlarge the investment banking business scales. Last but not least is
paying more attention to risk prevention, ensuring the stability of asset quality.
Keywords: New Normal; The slowdown in economic growth, making difficult
structural adjustments, and absorbing the effects of the previous economic stimulus
policies; Corporate Business; Transformation
Written by JIN JING
Supervised by QIAO GUIMING目录
第1章绪论........1
1.1研究的背景与意义...1
1.1.1研究的背景.....1
1.1.2研究的意义.....2
1.2研究方法、思路与全文框架..........3
1.2.1研究方法........3
1.2.2研究思路.........4
1.2.3研究框架.........4
第2章相关理论与文献综述........5
2.1相关理论.......5
2.1.1商业银行对公业务转型的概念界定.5
2.1.2支持本研究的相关理论.........6
2.2文献综述.......7
第3章三期叠加经济新常态对我国商业银行对公业务发展的影响10
3.1三期叠加经济新常态下我国经济形势特征分析.10
3.2三期叠加经济新常态下我国商业银行运行状态分析.....19
3.3我国经济形势对商业银行业务发展的影响分析.21
3.4三期叠加经济新常态对我国对公业务发展影响分析.....32
3.4.1我国商业银行对公业务发展现状分析.......32
3.4.2我国商业银行对公业务发展趋势...34
3.4.3三期叠加经济新常态对商业银行对公业务发展的影响...35
第4章三期叠加经济新常态下商业银行对公业务转型的紧迫性及面临的问题分析
..........40
4.1三期叠加经济新常态下商业银行对公业务转型的紧迫性分析.40
4.2三期叠加经济新常态下商业银行对公业务转型采取的措施.....41
4.3三期叠加经济新常态下商业银行对公业务转型面临的问题和存在的主要障碍...43
第5章三期叠加经济新常态下苏州姑苏农行对公业务转型案例分析..........45
5.1三期叠加经济新常态下苏州姑苏农行对公业务转型举措.........45
5.2三期叠加经济新常态下苏州姑苏农行对公业务转型发展不足.50
5.3三期叠加经济新常态下苏州姑苏农行对公业务转型的经验及启示.....51
第6章三期叠加经济新常态下我国商业银行对公业务进一步转型提升的对策建议
..........54
6.1三期叠加经济新常态下商业银行对公业务转型的目标.........
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