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MBA毕业论文_设银行JX分行养老金融业务发展战略研究PDF

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党的十八大以来,党中央、国务院将养老工作纳入党和国家工作全局,习近 平总书记多次对养老工作做出重要指示,在多次会议上提出积极应对人口老龄化 加快发展养老服务业的新理念、新思想、新战略、新要求。一方面,针对人口老 龄化这一人类社会发展进步的必然趋势,特别是在当前我国已提前进入老龄化社 会的大背景下,如何妥善满足的老年群众多方面需求、合理解决人口老龄化带来 的社会问题,事关国家发展,更与百姓福祉息息相关。在“少子化”、晚婚晚育 等因素影响下,传统的“养儿防老”模式正在悄然改变,通过大力发展养老产业, 让全中国老年人老有所养,拥有美满幸福的晚年,是贯穿21世纪的时代命题,更 是需要研究解决的重大课题。另一方面,尽管在党中央、国务院的高度重视下, 近年来国家和各省(市、区)密集出台支持养老产业政策措施,加大资金支持力 度,养老服务设施供给总量和水平显著提高,但是鉴于公益行业特殊性、发展过 度依赖财政支持、社会力量参与不充分、民营养老机构融资难、融资贵、职业培 训教育不到位等诸多因素,养老产业在快速发展的过程中也不同程度存在服务基 础设施薄弱、有效供给不足、社会化养老服务盈利空间有限等突出问题。 本文通过多种分析方法结合JX省养老行业发展实际情况,对建设银行JX分 行养老金融业务发展战略展开研究。首先使用PEST分析工具分析建设银行JX分 行发展养老金融业务的宏观环境,包括政治、经济、社会和科技环境对养老金融 业务发展的影响,分析外部环境为建设银行JX分行发展养老金融业务带来的机遇 与威胁。通过行业发展环境分析JX省内主流养老行业发展模式,从而引导出其他 金融机构包括银行同业、保险、信托基金在不同领域养老金融业务发展情况,以 作比较。通过SWOT分析,阐述建设银行JX分行开展养老金融业务的优势与劣 势,机遇与威胁,为下一步发展战略选择奠定基础。根据SWOT分析以及战略选 择矩阵分析结果,明确建设银行JX分行养老金融业务发展战略选择,即采取优势 发展战略和扭转性战略相结合的战略选择。在确定战略选择的基础上,提炼出养 老金融业务发展的战略目标,并针对建设银行JX分行配套养老金融业务重点产品、 多渠道业务拓展等战略实施举措,以及完善考核制度、优化组织架构、建立专业 人才队伍等战略保障措施进行详细分析,最后通过阐述发展战略的实施效果,对 建设银行JX分行养老金融业务发展战略进行全面总结,并对未来JX省养老金融 业务发展提出展望。 关键词:养老金融;商业银行;发展战略;融资模式;个人金融产品。 II Abstract Since the 18th national congress of the communist party of China (CPC), the CPC central committee and the state council have incorporated old-age care work into the overall work of the party and the state. General secretary Xi Jinping has made important instructions on old-age care work for many times, and put forward new ideas, new thoughts, new strategies and new requirements for actively responding to the aging of the population and accelerating the development of old-age care services. On the one hand, in view of the population aging trend of the development of human society progress, especially in the current our country has already entered the aging society in advance under the big background, how to properly meet the various requirements of elderly people, reasonable solve the social problems are caused by an ageing population, is a matter of national development, more is closely related to the well-being. In the "country", late childbirth of marry at a mature age, under the influence of such factors as the traditional pattern of "support" is quietly changing, through developing pension industry be raised, millions of older patients have a happy old age, let more Chinese families, especially young people have to issue in the future, the Chinese nation throughout the 21st century era of proposition, but also need to study to solve the major issue. On the other hand, although under the party central committee and state council attaches great importance to, in recent years, national and provincial (city, area) with dense endowment industry policy support measures, increase financial support, pension service facilities supply and level increased significantly, but given the public welfare industry particularity, development relying too much on financial support, social forces to participate in the inadequate, private pension institutions financing difficulties, financing your education, vocational training a good many factors, such as pension industry in the process of rapid development also exist different level service weak infrastructure, lack of effective supply, such outstanding problems as social endowment service profit space is limited. In this thesis, the development strategy of pension financial business of China construction bank JX branch was studied by combining multiple analysis methods with the actual development situation of pension industry in JX province. First, use PEST analysis tool to analyze the macro environment of the development of pension financial business of the JX branch of China construction bank, including the influence of the political, economic, social and technological environment on the development of III pension financial business, and analyze the opportunities and threats brought by the external environment to the development of pension financial business of the JX branch of China construction bank. The development model of the mainstream pension industry in JX province was analyzed through the industry development environment, so as to guide the development of pension financial business of other financial institutions including interbank, insurance and trust funds in different fields for comparison. Through SWOT analysis, this paper expounds the advantages and disadvantages, opportunities and threats of China construction bank JX branch in carrying out old-age care financial business, laying a foundation for the choice of the next development strategy. According to the results of SWOT analysis and strategic choice matrix analysis, the strategic choice for the development of pension financial business of China construction bank JX branch is made clear, that is, the strategic choice combining the advantageous development strategy and the reversing strategy. In determining the strategic choice, on the basis of extracting pension financial business development strategic target, to form a complete set of construction bank branch of JX pension financial business focus on products, such as multi-channel business development strategy implementation measures, and improve the system of examination, optimizing the organizational structure, establish a professional talent team strategic safeguard measures such as a detailed analysis, finally expatiates the implementation of the strategy of developing the effect, on the bank of construction, JX pension financial business development strategy to conduct a comprehensive summary, and also puts forward the prospect for the future development of pension financial business in JX province. Key-words: Commercial banks; Pension finance; Strategy research; Development strategy; Financing model; Personal financial products. 第1章 绪论 1 第1章 绪论 1.1 研究背景和意义 1.1.1 研究背景 按照1956年联合国《人口老龄化及其社会经济后果》制定的判断标准,当一 个国家或地区65岁及以上老年人口数量占总人口比例超过7%时,则视同这个国 家或地区进入老龄化社会。1982年维也纳老龄问题世界大会中,将60岁及以上老 年人口占总人口比例超过10%的国家或地区判定为已进入严重老龄化社会。据相 关研究标明,1994年有统计以来,中国60岁及以上人口占总人口比重一直在增加, 至2000年已超过10%,即我国在2000年已经步入严重老龄化社会阶段。2010年 第六次中国人口普查结果显示,我国年龄在60岁及以上的人口占比已达到13.3%, 十年间老龄人口占比年均增长率达0.3%,证明我国已经开始快速老龄化的进程, 老年人口数量与规模呈现不断加大的趋势。将时间抽拉近,截至2018年底,我国 60岁及以上老年人口数量已达2.49亿人,当年年度增长数量首次突破1000万人, 占总人口比重17.9%,八年间老龄人口占比年均增长率超0.5%,远超21世纪第一 个十年间的年均增幅,由此可以得知我国人口老龄化趋势愈演愈烈。再将年龄放 宽至65岁及以上,2018年底大于该年龄段的人口数量为1.66亿人,占总人口的 比重为11.9%,而1994年时该项指标占比仅为6.4%。预计到2020年底,我国60 岁以上老年人口将增加到2.55亿人左右,迈入重度老年化社会,其中65周岁及以 上人口将增加至1.95亿人左右,独居和空巢老人将增加到1.18亿人左右。长远来 看,随着医疗水平的显著提高和健康管理技术的发展,预计到205