本文首先从利率市场化概述与核心内容、农商行简介及经济作用等基本概念
出发,分析利率市场化对农商行提出的要求、带来的发展趋势,进而总结出农商
行在利率市场化下还具备哪些比较优势。如农商行具备的地缘优势、灵活的决策
机制、低成本扩展的可行性等。其次从农商行发展现状、业务情况及利率市场化
下面临的挑战等方面,对农商行业务发展基础进行分析。我国农商行虽市场份额
较低,对利差收入的依赖度较高,但其在我国农村金融体系建设及农村金融的普
及与发展中占有重要地位,面对金融市场化进程加快、业务管控能力不强、互联
网金融冲击明显等问题,可积极进行研判,走差异化、轻型化、精细化的业务发
展之路,弱化自身不利因素。再次,以成立于1852年的富国银行为案例研究对
象,充分考虑其经历了美国利率市场化、2008年金融危机等多个时期,作为区
域性银行,其发展路径较为成功,对农商行的业务发展具有一定的指导性。最后,
从业务经营基础、业务发展结构、渠道建设优化三个层次出发,对农商行的业务
发展提出建议,并通过银行经营案例、数据予以佐证,以期对农商行业务发展能
力的提升有所帮助
关键词:利率市场化农商行客户管理零售银行 Abstract
Abstract
Reform and opening up of China over the years,China’s economy has
maintained a steady high-speed growth trend. Commercial banks as a direct
participant in economic operation, in our country&39;s economic mode of operation,
management and management capabilities have been greatly improved. But at present,
Chinas economic society gradually into a new transition period, emphasizing changes
the structure to promote economic development and growth. Closely related to the
financial sector, since 2013, the interest rate marketization process has been
accelerating, the market freedom,competition significantly improved. As an
important financial market participant, commercial banks follow-oriented policy and
pursuit of operating income. Under the influence of interest rate marketization, it is
necessary to make corresponding adjustments to its own business operations. In
particular, rural commercial banks because of its own strength limit,how to
effectively optimize the upgrade, to promote the continuous development of business
in the new round of market competition, it is worth in-depth study.
This paper begins with the basic concept and the core content of interest rate
marketization, the introduction of rural commercial bank and its economic role,
analyzes the development trend of the interest rate marketization to rural commercial
banks, and then sums up the comparative advantage of rural commercial banks in the
situation of interest rate marketization. Such as rural commercial banks have the
geographical advantage, flexible decision-making mechanism, the feasibility of
low-cost expansion. Second, analysis the basis of rural commercial banks
development from its development status, business situation and the new challenges
facing the interest rate marketization, etc. China&39;s rural commercial banks, although
the market share is low, higher dependence on spread income, but its rural financial
system in rural areas and the popularization and development of rural finance
occupies an important position. In the face of the accelerated process of financial Abstract
marketization, business control and control ability is not strong, the impact of the
Internet financial shock and other issues, can be actively judged, take the difference,
light, fine business development, weakening their own unfavorable factors. Again,
with WELLS FARGO established in 1852 as the case study object, taking full account
of the US interest rate marketization, the 2008 financial crisis and other periods, as a
regional bank, its development path is more successful 〇 Finally, make suggestions
from the business management foundation, business development structure, channel
construction optimization three levels, and through the bank business case, the data to
be supported, in order to improve the rural commercial banks development capacity.
Key words: Interest Rate Marketization, Rural Commercial Bank, Customer
Management, Retail Banking &39;
目录
目录
第1章绪论 1
1,1研究背景及意义1.1.1研究背景1.1.2研究意义.
1.2国内外研究现状1.2.1国外相关研究现状1.2.2国内相关研究现状1.2.3文献总结1.3研究内容、方法及创新1.3. 1研究内容1.3.2研究方法1.3.3研究创新第2章利率市场化与农商行概述2. 1利率市场化含义及核心内容2. 1.1利率市场化含义2. 1.2利率市场化核心内容2.2农商行简介及在金融市场中的作用2.2. 1农商行简介2.2.2农商行在金融市场中的作用
1〇
2. 3利率市场化与农商行业务发展2. 3. 1利率市场化对农商行的要求2.3.2利率市场化下农商行的发展趋势2.3.3利率市场化下农商行发展具备的比较优势第3章利率市场化下农商行发展现状及业务发展面临的挑战3.1利率市场化下农商行发展现状3.1. 1我国农商行总体情况
15 目录
3. 1.2我国农商行资产规模情况3.1. 3我国农商行地域分布情况3. 2利率市场化下农商行业务情况3.2. 1我国农商行市场份额较低3. 2. 2我国农商行高度依赖利息收入3. 2. 3小微业务具备发展空间
21
3.3利率市场化下农商行业务发展面临的挑战
22
3. 3. 1利差收入模式发生深刻变化
22
3.3.2金融业竞争压力逐步增大
23
&39;
3.3.3自身业务管理能力有待增强
23
3.3.4电子银行业务渠道易守难攻
25
3.3.5平台数据信息利用效果显著
26
第4章富国银行业务发展案例分析
28
4.1富国银行基本情况
28
4. 1. 1富国银行发展概况
28
4.1.2富国银行发展历程
29
4.2富国银行业务发展实例
30
4.2. 1发展社区银行业务
30
4.2.2做好小微贷款管理
31
4_ 2. 3提高交叉销售能力
31
4.3富国银行业务发展的经验启示
32
4. 3. 1专注社区精耕细作
32
4. 3. 2推行差异经营策略
32
4. 3. 3创新金融服务模式
33
第5章利率市场化下农商行业务发展的建议
34
5.1加强业务基础建设
34
5.1.1提升业务发展资质
34
.
5.1. 2提高资本运行效率
35
5. 1.3强化客户关系管理
36 目录
5.2推进业务结构调整
38
&39;
5. 2. 1挖潜零售业务市场潜力
38
5.2. 2扩大中间业务非息收入
39
5.2.3尝试新型金融服务项目
40
5.3加快业务渠道提升
41
5. 3. 1转变网点经营传统理念
41
5.3.2建设电子银行服务体系
42
5. 3. 3发展“互联网+”特色业务
42
^ it 44
参考文献 45
a m 48 第1章绪论
第1章绪论
1.1研究背景及意义
1.1.1研究背景
改革开放以来,我国经济始终保持着平稳高速增长的态势,银行业金融机构
作为经济运行的直接参与者,获得了快速发展。但近年来,随着中国经济发展形
势的不断转变,金融市场自由度的不断提升,银行业金融机构的业务发展面临着
很大挑战,经营效益也将出现较大变化。特别是对农商行而言,其在资产规模、
经营牌照、业务产品、盈利模式等方面均不具备明显优势,在经济结构深化调整
期,其利润创造能力及业务发展潜力不佳。此外,作为地方性金融机构,农商行
业务种类单一,支持行业基本固化,一旦某一区域、行业所属企业经营出现问题,
&39;
很可能引发连锁反应,对农商行的风险管理十分不利。2015年末,我国25家拟
上市农商行业务经营情况普遍欠佳,拟上市农商行基本具备较好的业务基础,情
况尚且如此,利率市场化进程不断加快的形势下,农商行如何更好的进行业务发
展,需要加以深入研究
1.1.2研究意义
在历史条件下,我国银行业金融机构的业务发展得到极大增强,主要表现在
商业银行的资产收益率(R0A)和净资产收益率(R0E)持续高于实体经济平均水
平。在经济周期上行周期,这种情况有其必然性,但当社会经济步入以调结构为
显示信息，或将命令回显打开或关上
ECHO [ON | OFF]
ECHO [message]
要显示当前回显设置，键入不带参数的 ECHO
能力并不存在显著差异,但随着金融市场逐步放开,人口结构发生变化,经济技
术模式不断创新,客户的组成、行为和需求将显著改变,银行业的格局将发生深
刻变化。此外,随着互联网技术的广泛应用,互联网金融逐渐兴起,其在降低
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