摘要
自2011年下半年以来,国家为了应对市场经济的下行反复通过变幻莫测的
货币政策实施宏观调控,商业银行既成为了调控的对象,也成为了调控的工具。
本文所研究的光大HZ支行也不可避免受到宏观形势变化的影响,承担了很大一
部分风险。而“中国式次贷”危机的不断扩散与膨胀,也为光大HZ支行的资金
安全带来了很大隐患,随时面临着市场变化而造成的不可预期的损失。“利率市
场化”的快速推进,使光大HZ支行面临存贷利息差收窄,传统主营业务的盈利
能力减弱的状况,如何寻求新的利润增长点,减少对存贷利差和贷款规模的依
赖成为光大HZ支行的当务之急。
本文以光大HZ支行为研究对象,针对其主营业务的管理问题进行分析,分
负债业务、资产业务和中间业务三大板块进行阐述,从光大HZ支行目前应用的
FTP资金转移定价理论和业务操作程序的设计与管理方面进行剖析,识别出光大
HZ支行目前主营业务管理中存在的种种问题。然后运用多种金融经济模型和一
系列定量定性指标分析,建立一套完整严密的主营业务管理体系——“FTP+全
面业务质量管理”,并根据其运作原理对光大HZ支行的主营业务分别制定合理
地管理对策,以期解决负债、资产和中间业务中存在的问题,为光大HZ支行主
营业务管理的完善提供了有效的理论指导和实际应用方案。
本文的创新与特色之处从结构与方法两个方面表现。首先本文将光大HZ支
行主营业务管理分为负债业务管理、资产业务管理和中间业务管理三大板块,
有针对性的对各个板块所存在的问题进行分析,实现全方位的诊断。其次,在
方法上,本文运用FTP资产转移定价与全面业务质量管理法相结合的方法提出
了严密的方案策略,运用到光大HZ支行主营业务的管理方法上针对不同的业务
开展情况设计了不同的解决对策。
关键词:主营业务管理产品创新资金转移定价全面业务质量管理
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Abstract
Abstract
Since the second half of 2011,the state changes macro-control policy in order to
deal with the market economy. The commercial Banks have become the object of
regulation; they also become the regulatory tools. Chiiia everbright HZ Branch also
has inevitably affected by the macroeconomic situation, assumed a large part of the
risk. And China subprime crisis is spread and expanded; it also brings a great
hidden danger for the ever Bright HZ Branch capital safety. And China everbright HZ
Branch always faces the unexpected loss caused by market changes. Since China fast
promotes the market oriented interest rate, the China everbright HZ Branch is
facing the deposit interest margin narrowed, weakened the traditional main business
profitability condition. How to seek new profit growth point, reduce the dependence
on the deposit rate and loan scale is China everbright HZ Branch's urgent things.
In this paper, the China everbright HZ Branch is the study object, it analyzes the
management of its main Business, analysis management procedures and business
design from FTP ftmds, identify problems in China everbright HZ Branch at present
main business management- Then it uses the analysis of various financial and
economic models and a series of quantitative and qualitative indicators, establishes a
set of complete and strict business management system - ”FTP+ Comprehensive
service quality management, and makes reasonable management strategy of the
China everbright HZ Branch main business according to the principle. It is to solve
the existing problems of business and provides effective theoretical and practical
scheme for perfecting China everbright HZ Branch main business management.
Its innovation and characteristic have three aspects from the topic selection,
structure and method of performance. First,the commercial Banks is facing to a big
challenge from big data era; it has the urgency of the study. Secondly, it includes
three plates: business debt management, asset management md intermediary business
management. Finally, it uses FTP transfer assets pricing method with comprehensive
service quality manag^nent method.
Keywords: main Business management; Product innovation; funds transfer
pricing; overall quality management
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