九江银行作为江西省地方城市商业银行，立足九江、扎根江西、辐射全国， 不断进行业务发展一直是其核心经营理念。新时代的中国，我国商业银行的生存 及发展环境发生了剧烈的变化，面临着经济增长速度下降、利率市场化制度改革、 同业竞争激烈和互联网金融冲击四大主要问题。因此，传统银行业务已经不能满 足现代客户们的需要，新业务发展是各银行紧抓的重点，也是迫在眉睫的转型关 键。商业银行的可持续发展需要不断进行业务创新，这是国际银行发展的经验， 也是我国商业银行发展方向。 本文所研究的对象是九江银行的新建支行，对于区域性银行而言，狭义的定 义是位于某一特定地域，并且服务范围局限于当地。国内外对于区域性银行的研 究有很多，但是更多集中在区域性银行的风险管理、金融监管、网点转型等方面， 较少地研究商业银行的业务发展方面本身存在的问题。因此，本文以九江银行新 建支行为例来研究商业银行的业务发展具有重要的理论意义和实践意义。 本文运用了理论研究和案例研究两种分析方法，重点分析了商业银行业务发 展中存在的问题，并研究了在经济新形势下九江银行新建支行的业务发展问题。 首先，通过对商业银行业务发展与创新理论研究，从基础理论视角分析表明，商 业银行所面临的政治、监管、经济、技术等外界环境改变和商业银行体系的内在 强烈利益竞争是导致商业银行开展创新的主要诱因，如果这两者同时发生，商业 银行的业务发展将会取得显著成效。从宏观因素和微观因素两方面进行分析，挖 掘影响商业银行业务发展的因素，同时对商业银行业务发展进行SWOT分析，并 从积极拓展表外业务，多元化经营、推进信贷资产证券化、与互联网金融协同发 展、加强产品创新，开发衍生品和商业银行的国际化发展五个方面探讨商业银行 业务的发展途径。基于上述理论，论文重点研究了九江银行新建支行业务发展现 状，通过实地走访调查客户获取第一手数据，论文就九江银行新建支行业务发展 中存在的问题进行了深入地探讨，从商业银行的资产业务、负债业务、中间业务 三个方面进行分析和研究，并结合新建区其他银行业务发展对九江银行新建支行 业务发展的影响和比较分析，从中发现九江银行新建支行在业务发展过程中存在 的问题。 论文的研究发现当前九江银行新建支行在业务发展方面存在较多问题，主要 包括：一是支行服务意识和服务质量有待提升，导致客户忠诚度不够；二是业务 推广成效不佳，未能按照总、分行思路及时开拓新业务；三是员工队伍建设有待 提高，未能为业务发展提供足够的人力资源保障；四是支行产品种类较为保守和 单一，营销思路和创新不足，无法分层次满足各类客户需求；五是风险防控能力 较弱，缺乏新业务发展的风险防范能力。 基于论文的研究结果，通过对九江银行新建支行业务发展过程中存在的问题 进一步分析从而提出具有实际操作性、针对性的政策建议。对九江银行新建支行 在业务发展方面，论文提出了如下建议：一是要做强对公，做优零售，实现业务 协同发展；二是要积极响应政策号召，推动绿色金融业务发展；三是结合当地特 色产业，发展供应链金融；四是创新普惠金融产品，拓展服务客户群体。 关键词：商业银行；风险控制；业务发展 硕士学位论文 Abstract AsalocalcitycommercialbankinJiangxiProvince,BankofJiujiangisbased inJiujiang,rootedinJiangxi,andradiatesacrossthecountry.Continuousbusiness developmentandinnovationhasalwaysbeenitscoreguidingideology.Inthenewera ofChina,thesurvivalanddevelopmentenvironmentofmycountry'scommercial bankshasundergonedrasticchanges,facingfourmajorissues:thedeclinein economicgrowth,thereformoftheinterestratemarket-basedsystem,fierce competitionintheindustryandtheimpactofInternetfinance.Therefore,traditional bankingservicescannolongermeettheneedsofmoderncustomers.Business developmentandinnovationisthefocusofbanksandthekeytoimminent transformation.Thesustainabledevelopmentofcommercialbanksrequires continuousbankingbusinessinnovation.Thisistheexperienceofthedevelopmentof internationalbanksandthedevelopmentdirectionofmycountry'scommercialbanks. Theobjectofthisarticleisthenewly-builtbranchofJiujiangBank.Forregional banks,thenarrowdefinitionisthattheyarelocatedinaspecificareaandtheirservice scopeislimitedtothelocalarea.Therearealotofresearchesonregionalbanksat homeandabroad,buttheyaremoreconcentratedontheriskmanagement,financial supervision,branchtransformationofregionalbanks,andlessresearchonthe businessinnovationofcommercialbanks.Therefore,ithasimportanttheoreticaland practicalsignificancetostudythebusinessinnovationofcommercialbankswiththe exampleofthenewly-builtbranchofJiujiangBank. Thispaperusestwoanalyticalmethods,theoreticalresearchandcasestudy, focusingonthebusinessinnovationofcommercialbanksandotherrelatedissues,and studiesthebusinessdevelopmentandinnovationresearchissuesofthenewbranchof JiujiangBankundertheneweconomicsituation.Firstofall,throughthetheoretical researchofcommercialbankbusinessinnovation,analysisfromtheperspectiveof basictheoryshowsthatthepolitical,regulatory,economic,technologicalandother externalenvironmentalchangesfacedbycommercialbanksandthestronginherent competitionofinterestsinthecommercialbankingsystemhaveledtocommercial banks'innovationThemainincentiveisthatifthetwooccuratthesametime,the businessinnovationofcommercialbankswillhavesignificantresults.Analyzeboth macroandmicrofactors,explorethefactorsthataffectcommercialbankingbusiness innovation,andconductswotanalysisoncommercialbankingbusinessinnovation, andactivelyexpandoff-balancesheetbusiness,diversifyoperations,promotecredit assetsecuritization,andInternetThefiveaspectsofcoordinatedfinancial development,enhancementofproductinnovation,developmentofderivativesand internationalinnovationofcommercialbanksexplorethedevelopmentapproachesof commercialbankbusinessinnovation.Basedontheabovetheory,thethesisfocuses ontheinnovationanddevelopmentstatusofthenewbranchofJiujiangBank. Throughfieldvisitsandsurveysofcustomerstoobtainfirst-handdata,thethesis conductedanin-depthdiscussionontheproblemsinthebusinessinnovationand developmentofthenewbranchofJiujiangBank,fromtheassetbusiness,liability business,andintermediarybusinessofcommercialbanks,includingICbankcard businessdevelopment,andwealthmanagement.Analysisandresearchonservices, threecooperations(cooperationinfinancialindustriessuchassecurities,insurance, funds,etc.),combinedwiththeinfluenceandcomparativeanalysisofthe developmentofotherbankingservicesinthenewdistrictonthebusiness developmentofthenewbranchofJiujiangBank,foundthenewbranchofJiujiang BankProblemsintheprocessofbusinessdevelopmentandinnovation. TheresearchofthepaperfoundthatthenewbranchofJiujiangBankcurrently hasmanyproblemsinbusinessinnovationanddevelopment,mainlyincluding:first, theserviceawarenessandservicequalityofthebranchneedtobeimproved,resulting ininsufficientcustomerloyalty;second,thebusinesspromotionisnoteffectiveand failstofollowTheheadofficeandbranchesarethinkingaboutexploringnew businessinatimelymanner;third,theconstructionofthestaffteamneedstobe improved,anditfailstoprovidesufficienthumanresourcesguaranteeforbusiness innovation;fourth,thebranch’sproducttypesarerelativelyconservativeandsingle, andmarketingideasandinnovationareinsufficient,andtheycannotmeettheneeds ofdifferentlevels.Customerneeds;fifth,weakriskpreventionandcontrol capabilities,lackofriskpreventioncapabilitiesfornewbusinessdevelopment. Basedontheresearchresultsofthethesis,throughfurtheranalysisofthe problemsinthebusinessinnovationprocessofthenewbranchofJiujiangBank,we putforwardpracticalandtargetedpolicyrecommendations.Regardingtheinnovation anddevelopmentofthenewbranchofJiujiangBank,thepaperputsforwardthe followingsuggestions:first,wemustkeepourmissioninmind,rootintheground, basedonthecharacteristicsofsmallandmicroenterprises;second,activelyrespond topolicycallsandpersistinpromotingthedevelopmentofgreenfinancebusiness; third,activelydevelopsupplyChainfinanceisintegratedwithlocalcharacteristic 硕士学位论文 industries;thefourthistoinnovateinclusivefinancialproductsandcreateabright spotforinclusivefinance. Keywords:commercialbanks;riskcontrol;businessdevelopment 目录 1引言...................................................................................................................1 1.1研究背景及意义......................................................................................1 1.1.1研究背景.......................................................................................1 1.1.2研究意义......................................................................................3 1.2文献综述.....................................................................