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国内图书分类号：F830.593 学校代码：10213
国际图书分类号：658 密级：公开
工商管理硕士学位论文
哈尔滨银行存款负债业务改进对策研究
硕士研究生 ： 王慧颖
导师 ： 史剑新 副教授
申请学位 ： 工商管理硕士
所 在 单 位 ： 哈尔滨银行股份有限公司
答 辩 日 期 ： 2018年03月
授予学位单位 ： 哈尔滨工业大学
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Classified Index: F830.593
U.D.C: 658
A Dissertation for the Degree of MBA
STUDY ON THE IMPROVEMENT OF
HARBIN BANK DEPOSIT LIABILITIES
Candidate： Wang Huiying
Supervisor： Prof. Shi Jianxin
Academic Degree Applied for： Master of Business Administration
Affiliation： Harbin Bank Co., Ltd
Date of Defence： March, 2018
Degree-Conferring-Institution： Harbin Institute of Technology
哈尔滨工业大学工商管理硕士学位论文
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摘要
商业银行是经营货币商品的特殊企业，吸收存款一直是商业银行获取资金
的最主要来源。存款负债业务在商业银行的经营与发展中有着极其重要的地位，
直接关系到商业银行获取经济利润的多少。影响存款负债业务的因素有很多，
在目前中国经济乃至全球经济进入下行区间的大环境下，我国商业银行又同时
面临着国家利率政策的改革，以及互联网金融行业的迅速崛起。这“三座大山”
对我国商业银行存款的吸收带来了巨大的挑战。整体经济环境的不景气导致货
币被大量积压，无法进行流动，存款也就无法增值，商业银行可吸收存款的总
量减少。我国推行利率市场化的脚步进一步加快，各商业银行为保住自身市场
份额纷纷围绕存款的吸收展开激烈竞争，而同时，快速发展的互联网金融企业
又凭借自身优势在本就有限的存款市场上分走了一杯羹。商业银行为适应如今
的这种竞争环境，必须认清自身存款负债业务存在的问题，克服短板效应，变
危机为机遇，才能获得长足的发展
本文通过对目前我国商业银行存款负债业务现状的阐述，结合哈尔滨银行
的经营概况，通过对数据的整理与分析，提出了哈尔滨银行在存款负债业务方
面存在的问题主要有：存款负债结构有待调整、发展创新能力不足、客户分类
不明确和营销手段不够多样。分别从外部原因和内部原因对产生以上问题的主
要原因进行分析。发现除了外部经济环境、利率市场化以及新兴互联网金融企
业的崛起等原因外，哈尔滨银行自身也存在着对所掌握的大数据利用率极低、
组织架构过于臃肿以及对员工营销的激励制度陈旧等问题。为此，本文结合同
业经验提出了未来哈尔滨银行在存款负债业务方面的几点改进对策和保障措
施，以期对哈尔滨银行存款负债业务未来发展提供帮助
关键词：商业银行；存款负债业务；存款产品创新；客户细分
哈尔滨工业大学工商管理硕士学位论文
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Abstract
Commercial Banks are special enterprises that operate currency commodities.,
Deposit-taking has always been a major source of funding for commercial Banks.
The deposit liabilities business is very important in the operation and development
of commercial Banks, which is directly related to the economic profit. There are
many factors that can affect deposit liabilities business。At present, China's
economy and even the global economy are entering a downward trend, our country
commercial bank facing the reform of the national interest rate policy and the rapid
rise ofinternetfinance at the same time. These three mountains have brought
Chinese commercial banksgreat challenges to the absorption of deposits. The
recession of the economic environment has caused a huge overstock of money,
deposits cannot flow and cannot add value, The total amount of deposits that
commercial Banks could absorb was reduced. The pace of interest rate liberalization
in China has been further accelerated, Commercial Banks compete fiercely for
deposits to save their market share, and at the same time, the rapid developing
Internet finance companies have taken a share of the limited deposit market by their
own advantage. In order to adapt to the current competitive environment,
commercial Banks must recognize the problems existing in their own deposit
liabilities business, overcome the short board effect, and turn the crisis into
opportunities to achieve considerable progress.
This article through to the present situation of our country commercial bank
deposit liabilities business, combined with the situation of Harbin bank, based on
the data collection and analysis, puts forward that the problems of the bank of
Harbin in the deposit liabilities business mainly include: structure of deposit
liabilities needs to be adjusted, the development innovation ability insufficiency,
Customer classification is not clear and the marketing model is not diverse. The
main reasons for the above problems are analyzed respectively from external and
internal reasons. In addition to external economic environment, interest rate
liberalization and the rise of emerging Internet financial enterprises, There are many
problems in Harbin bank itself. such as big data utilization rate is extremely low, the
organization structure are bloated, and the incentive system for employee marketing
is obsolete. Therefore, Based on the experience of the interbank, this paper puts。。。。。。