I
摘要
银行业零售贷款在当前“资本、资金、监管”三大约束条件下，依靠资产规
模快速扩张的发展模式难以为继，必须向内涵式发展进行转变，通过优化业务结
构，提高零售信贷资源配置效率，提升零售贷款的整体收益水平，进而助力零售
贷款突破发展瓶颈。而伴随着互联网经济快速发展，金融服务从实体业扩大到以
互联网为媒介进行的各种金融服务活动，诞生了新的金融形势——“互联网金融”
它是相对于实体金融服务活动在运作模式、面向市场以及操作流程上的巨大创新，
更是当前网络信息技术快速发展下的必然结果。在各商业银行零售贷款产品趋于
成熟、客户群体趋于稳定之际，能够做好零售贷款业务转型、把握住时代的变革、
在高速发展的网络时代挖掘新的客户群体、迅速占领市场已迫在眉睫
本文通过使用SWOT分析法及波特五力模型等对A银行内蒙古分行零售贷款业
务发展情况进行分析，得出以下结论：A银行内蒙古分行零售贷款发展已进入瓶颈
期，下一步的发展离不开客户群体的拓展和产品的创新。零售业务，经营的不仅
仅是业务，更是客户，只有把握住市场机遇，以产品为基础积极拓展客户群体，
提高客户的粘合度，才能真的把客户做大做强，才能在同业中保持领先的地位
客户的拓展离不开产品的推广，产品的发展依托客户的提升。因此，A银行内蒙古
分行可结合互联网金融的发展，转变传统的贷款思维，在传统贷款产品仍处于主
导地位的战略方针下，以校园贷及店主贷为契机，积极推广网络贷款，打开互联
网金融的大门，完成划时代的转型
关键词：银行业，零售贷款，互联网金融，客户拓展，产品创新
II
Abstract
Under the three major constraints of “capital”, “funding” and “supervision”, the
retail banking loans of baking industry is difficult to sustain relying on its rapid
expansion of the scale of assets. It must make changes to the connotation-based
development. Optimizing business structure, improving the allocation of retail credit
resources, boosting the overall profitability of retail loans, and thereby breaking the
development bottleneck of retail loans. With the rapid development of the Internet
economy, financial services have expanded from entities to various Internet based
financial service activities. As a result, a new financial situation has emerged - Internet
Finance. It is a huge innovation in the operation mode, market and flow of the entity's
financial service activities, and also the inevitable result of the rapid development of the
network information technology. As the retail loan products of various commercial
banks are getting mature and their customer tends to be stable, it is urgent to transform
retail lending business, grasp the changes in the times, tap into new customer groups
and occupy the market in the fast-developing Internet era.
With the analysis by SWOT analysis and Michael Porter five forces model of the
development of retail loan business in Bank A Inner Mongolia Branch, this paper points
out that the development of retail loans has entered a bottleneck period. The
development of the next step is inseparable from the expansion of customer groups and
product innovation. Retail business is not just business, but also customers. Only to
seize the market opportunities, expand customers based on products, and improve
customer adhesion, more customers and the leading position could be retained and
maintained. Customer's expansion is inseparable from the promotion of products, and
product development is relying on customer improvement. Therefore, in accordance
with the strategic guidelines that traditional loan products are still in the dominant
position, Bank A Inner Mongolia Branch can combine the development of internet
finance with the traditional loan strategy, take the opportunity of campus loan and store
owner loans as an opportunity to actively promote online loans and open the internet
finance door to complete epoch-making transformation.
Key words: baking industry, retail loan, online finance, customer development, Product
innovation
III
目录
第一章绪论 ... 1
1.1 选题价值 ........... 1
1.2 选题背景 ........... 1
1.3 相关理论及工具 ..... 3
1.4 论文结构 ........... 5
1.5 研究方法 ........... 6
第二章商业银行零售贷款业务分析 ....... 7
2.1 商业银行零售贷款业务现状 ....... 7
2.2 商业银行零售贷款业务存在的问题 . 9
2.3 商业银行零售贷款业务面临的外部挑战 ......... 9
2.4 本章小结 .......... 11
第三章A银行内蒙古分行零售贷款业务发展分析 ....... 12
3.1 业务规模分析 ...... 12
3.2 业务结构分析 ...... 13
3.3 资产质量分析 ...... 15
3.4 A银行内蒙古分行零售贷款业务SWOT分析 ...... 16
3.4.1 优势 ........ 16
3.4.2 劣势 ........ 17
3.4.3 机会 ........ 19
3.4.4 威胁 ........ 19
3.5 本章小结 .......... 20
第四章A银行内蒙古分行零售贷款业务战略定位 ....... 22
4.1 当前战略定位 ...... 22
4.2 下一步战略定位 .... 22
4.2.1 波特五力模型下的分析 .... 22
4.2.2 基于波特五力模型分析结果的战略定位 .. 27
第五章A银行内蒙古分行零售贷款业务战略措施 ....... 29
5.1 针对校园客户群体的战略措施——校园贷 ...... 29
5.1.1 业务介绍 .... 29
5.1.2 业务办理 .... 31
5.2针对网店店主客户群体的战略措施——店主贷 ... 32。