本文以 Z 银行 JX 分行为研究案例，以发展战略理论、SWOT 战略分析等为
理论基础，以金融机构业务为研究对象，结合业务发展现状以及存在问题，运
用 SWOT 战略分析方法对公司的内外部环境因素进行分析，并提出金融机构业
务发展策略及相关保障措施。
全文共分六章:第1章导论部分，主要包括研究背景和意义、研究综述、研究
思路和内容及研究方法；第2章为金融机构业务发展相关理论，主要对关键概念
进行界定，分析了金融机构业务发展理论以及策略分析方法；第3章介绍了Z银
行JX分行金融机构业务发展现状及存在的问题；第4章运用对分行内外部环境进
行战略分析；第5章针对金融机构业务发展提出策略建议和相关措施；第6章总
结与展望。认为基于Z银行JX分行的现状，结合SWOT分析，在金融机构业务发
展从产品、市场、客户三方面进行策略选择，同时从全面创新，构建优质服务
平台；建章立制，加强业务风险管控；重点突出，管理科学精细化；完善组织
架构和资源的优化配置等方面落实具体举措，保障创新落地。
关键词：商业银行；金融机构业务；业务发展策略；金融创新Abstract
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ABSTRACT
The business of financial institutions has become the choice of the direction of
development of capital constraints increasingly stringent environment in the light of
capital property; in the information management era, also because of the
characteristics of asset security, has become an important distribution company and
individual wealth management clients information channels; with the loan deposit
ratio and loan management policy adjustment deposit financial institutions, low cost,
good stability, has become the competition of the banking industry and the
development of key business. In response to industry transformation competition,
enhance the financial institutions business market position and comprehensive
contribution to the full line of income; broaden the connotation of business
development, research on customer base, business innovation, transformation and
development, industry management mode, culture idea, realize win-win resonance. It
is of practical significance to strengthen the research on the financial institutions of
commercial banks.
In this paper, the Z bank JX branch as the research case, the development of
strategic theory, SWOT strategy analysis as the theoretical basis, to the business of
financial institutions as the research object, combined with the business development
status and existing problems, using SWOT strategy analysis method to analyze the
internal and external factors of the company, and put forward the development
strategy of the business of financial institutions and related security measures..
The full text is divided into six chapters: the first chapter is the introduction part,
including research background and significance, research ideas and contents and
research methods; the second chapter development theories of financial institutions,
mainly on the key concepts, analysis of the financial institutions business
development theory and strategy analysis method; the third chapter introduces the
current situation of the business development of Z bank JX branch of financial
institutions and the existing problems; the fourth chapter uses the strategic analysis of
the branch of the internal and external environment; the fifth chapter puts forwardAbstract
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relevant measures and suggestions for the business development of financial
institutions; the sixth chapter summary and prospect. That situation of Z bank JX
branch based on SWOT analysis, financial institutions in the business development
strategy from customers, market, and from three aspects, comprehensive innovation,
constructing a high quality service platform; build system, strengthen the business
risk control; focus, learn the fine management science to implement specific measures
to improve the optimization; the organization structure and resource allocation,
security innovation landing.
Key words: Commercial bank; financial institution business; business development strategy;
financial innovation目录
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目录
第 1 章 导论.....1
1.1 研究背景与意义 .......1
1.1.1 研究背景 ....1
1.1.2 研究意义 ....2
1.2 研究综述 .......3
1.3 研究思路及路线 .......6
1.4 研究方法 .......7
第 2 章 金融机构业务发展相关理论.8
2.1 关键概念界定 ...........8
2.1.1 金融机构业务 ........8
2.1.2 金融创新 ....9
2.1.3 发展策略 ..10
2.2 金融机构业务发展理论基础 .........11
2.3 金融机构业务发展策略分析方法 .12
第 3 章 Z 银行 JX 分行金融机构业务发展现状分析 .........14
3.1 Z 银行 JX 分行概况 .........14
3.2 金融机构业务组织职能设置 .........14
3.3 金融机构业务发展现状及存在问题 .........16
3.3.1 中间业务收入缩窄，业务发展不平衡 ..16
3.3.2 资源配置不到位，业务人才缺乏 ..........17
3.3.3 缺乏科学营销，制约业务发展 ..17
3.3.4 网点覆盖不高，业务扩张乏力 ..17
3.3.5 业务发展不足，风控形势严峻 ..17
第 4 章 Z 银行 JX 分行业务发展环境分析 .19
4.1 宏观环境分析 .........19
4.2 JX 分行金融机构业务发展机会.....19目录
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4.2.1 人民币国际化推动跨境业务全面发展 ..19
4.2.2 利率市场化促进多层级资本市场形成 ..20
4.2.3 智能技术驱动金融创新的发展 ..20
4.2.4 区域市场的构建营造良好环境 ..20
4.3 JX 分行金融机构业务发展面临的威胁.....20
4.3.1 金融政策及市场环境变化
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