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MBA毕业论文_城市商业银行盈利模式优化研究-以H银行为例DOC

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由于盈利模式存在缺陷,并且缺陷持续扩大,导致城市商业银行在市场竞争中不断趋 于劣势,盈利模式的优化会促使盈利能力增加,增强其市场竞争力,并提升城市商业银行 的经营绩效,实现城市商业银行的快速发展。 本文的主旨在于分析城市商业银行盈利模式存在的缺陷,进而针对这些缺陷提出优化 建议。文章按照“问题—理论分析—经验案例分析—优化方案”的逻辑框架对城市商业银行 的盈利模式优化进行研究。首先,从前人的研究成果中吸收经验。然后分析城市商业银行 当前的盈利模式,梳理其中存在的不足,例如过分依赖传统业务,且中间业务品种单一, 再针对这些缺陷提出克服城市商业银行盈利模式缺陷的一般路径。接着,分析 H 银行盈利 模式的特征,发现其盈利模式以利差收入为主、以公司业务为主导且中间业务品种单一。 最后,根据分析结果提出优化的方案,优化资产负债结构,使传统信贷资产的占比有所下 降;提高非息收入的比重,使收入结构得到改善。为了城市商业银行盈利模式优化方案的 顺利实施,本文提出几点保障措施,包括建立有效的产品研发机制及完善激励机制等。 城市商业银行作为商业银行的重要组成部分,对其盈利模式优化展开研究对未来的发 展有着深远的影响。本文选取 H 银行作为案例进行城市商业银行盈利模式的评价及研究, 主要是希望以小见大,从点到面的发现我国城商行存在的普遍问题,另外本文针对 H 银行 的研究也能找出 H 银行存在的特殊问题,为 H 银行的发展探寻方向。 关键词,城市商业银行;盈利模式;中间业务;优化方案;保障措施浙江理工大学硕士专业学位论文 II Abstract The defects of the profit model of city commercial banks will continue to expand, which will lead to the decline of the competitiveness of city commercial banks. The optimization of the profit model will increase the profitability, enhance their market competitiveness, and improve the operation performance of city commercial banks, so as to realize the rapid development of city commercial banks. The main purpose of this paper is to analyze the drawbacks of the profit model of city commercial banks, and then put forward optimization suggestions for these drawbacks. According to the logical framework of problem-theoretical Analysis- Empirical case analysis-optimization scheme, this paper studies the optimization of profit model of urban commercial banks. First of all, we should absorb experience from previous research results. Then it analyses the current profit model of city commercial banks, combs the shortcomings, such as excessive dependence on traditional business, and the single type of intermediary business, and then puts forward the general path to overcome the shortcomings of the profit model of city commercial banks. Then, the characteristics of H Bank's profit model are analyzed, and it is found that the profit model of H Bank is dominated by interest margin income, company business and single type of intermediary business. Finally, according to the results of the analysis, we put forward the optimization plan: optimize the structure of assets and liabilities, so that the proportion of traditional credit assets has decreased; increase the proportion of non-interest income, so as to improve the income structure. In order to implement the profit model optimization scheme of city commercial banks smoothly, this paper puts forward several safeguard measures, including establishing effective product research and development mechanism and improving incentive mechanism. As an important part of commercial banks, urban commercial banks have a far-reaching impact on future development by studying the optimization of their profit model. This paper chooses H Bank as a case to evaluate and study the profit model of city commercial banks. The main purpose is to find out the common problems of city commercial banks in our country from point to point. In addition, this paper can also find out the special problems of H Bank in the study of H Bank, to explore the direction for the development of H Bank. Key Words: City commercial banks; profit model; intermediate business; optimization program; safeguard measures浙江理工大学硕士专业学位论文 III 目 录 摘要................................................................................................................................................I Abstract .............................................................................................................................................II 目 录..............................................................................................................................................III 1 导 论.............................................................................................................................................1 1.1 研究背景及问题的提出....................................................................................................1 1.1.1 研究背景.................................................................................................................1 1.1.2 拟解决的问题.........................................................................................................2 1.2 研究意义............................................................................................................................2 1.3 研究内容............................................................................................................................3 1.4 研究方法及技术路线........................................................................................................3 1.4.1 研究方法.................................................................................................................3 1.4.2 技术路线.................................................................................................................3 1.5 论文可能的创新点与不足点............................................................................................5 2 文献综述.......................................................................................................................................6 2.1 商业银行盈利模式内涵的研究........................................................................................6 2.2 商业银行盈利模式优化动因的相关研究........................................................................7 2.3 城市商业银行盈利模式优化的动因的相关研究 ............................................................8 2.4 城市商业银行盈利模式优化策略的相关研究 ................................................................9 2.5 综合评述............................................................................................................................9 3 城市商业银行盈利模式分析.....................................................................................................11 3.1 我国城市商业银行整体经营状况对其盈利模式的影响 ..............................................11 3.1.1 城市商业银行数量逐步增多、总规模逐年增大 ...............................................11 3.1.2 区域分布不平衡、发展存在较大差异...............................................................14 3.1.3 不良贷款率有所上升...........................................................................................14 3.2 城市商业银行盈利模式特征分析..................................................................................15 3.2.1 以利差收入为主...................................................................................................15 3.2.2 中间业务品种单一...............................................................................................17 3.3 当前我国城市商业银行盈利模式的不足......................................................................18 3.3.1 总体盈利模式较单一...........................................................................................18 3.3.2 中间业务品种较少,盈利模式的创新性不够 ...................................................20 3.3.3 信贷资产依赖度过高...........................................................................................21 3.4 城市商业银行盈利模式优化的目标..............................................................................21 3.5 我国城市商业银行克服盈利模式缺陷的一般路径及保障条件分析 ..........................22 3.5.1 国外同类银行盈利模式转型的过程...................................................................22 3.5.2 城市商业银行克服盈利模式缺陷的一般路径 ...................................................24 3.5.3 我国城市商业银行克服盈利模式缺陷的保障条件 ...........................................25 4 H 银行盈利模式分析 ..................................................................................................................26 4.1 H 银行现状.......................................................................................................................26 4.1.1 H 银行的基本情况 ................................................................................................26 4.1.2 H 银行的经营概况 ................................................................................................27 4.2 H 银行盈利模式特征分析...............................................................................................28浙江理工大学硕士专业学位论文 IV 4.2.1 公司业务主导.......................................................................................................28 4.2.2 以利差收入为主...................................................................................................30 4.2.3 中间业务品种单一...............................................................................................30 4.3 H 银行盈利模式的问题分析...........................................................................................31 4.3.1 存贷利差(净利息收入)特点...........................................................................31 4.3.2 中间业务发展缓慢...............................................................................................32 4.3.3 业务经营区域较窄...............................................................................................33 4.3.4 盈利水平较低.......................................................................................................33 5 H 银行盈利模式优化方案设计 ..................................................................................................35 5.1 H 银行盈利模式优化市场条件分析 ...............................................................................36 5.1.1 金融环境产生的压力...........................................................................................36 5.1.2 利率市场化产生的动力.......................................................................................36 5.1.3 互联网金融形成的挑战.......................................................................................37 5.1.4 资管新规对银行盈利模式转变的影响...............................................................37 5.2 H 银行盈利模式优化思路...............................................................................................39 5.2.1 确立公司业务与零售业务均衡发展的盈利模式 ...............................................39 5.2.2 确立利息收入与非利息收入均衡发展的盈利模式 ...........................................40 5.2.3 确立传统业务与创新业务均衡发展的盈利模式 ...............................................40 5.3 H 银行盈利模式优化措施...............................................................................................40 5.3.1 加强创新发展,大力推进经营形式综合化.......................................................40 5.3.2 大力发展中间业务,创新业务品种...................................................................41 5.3.3 加大对私市场拓展,加快渠道和队伍建设.......................................................42 5.3.4 优化银行流程,加强成本管理力度,提高盈利水平 .......................................42 5.3.5 转变经营方式,合理利用人工智能...................................................................42 6 H 银行盈利模式保障措施 ..........................................................................................................44 6.1 建立有效的利率应对机制,降低利率风险..................................................................44 6.2 建立有效的产品研发机制,满足客户需求..................................................................45 6.3 完善激励机制,加大考核力度,提高工作效率 ..........................................................45 6.4 多元化的选拔人才,提供优质服务..............................................................................46 7 总结及研究展望.........................................................................................................................47 7.1 总结..................................................................................................................................47 7.2 研究展望..........................................................................................................................47