I 摘要 受全球货币政策收紧，中美贸易摩擦加剧等不确定因素影响，中国金融市 场进入了阶段性的高波动时期。同时金融供给侧改革进入深水区，商业银行通 过增加中间业务收入来实现资产规模的不断扩张，由此引发的金融乱象丛生， 银行信贷资金脱实向虚，进一步导致实体经济融资难，融资成本变高。监管部 门密集出台多项监管政策，根本目的是强化风险管控、弥补监管短板、防止信 贷资金脱实向虚势头加剧。强化风险合规管理，已成为当前商业银行的最主要 的核心工作之一。 公司业务是商业银行的最主要利润来源，对商业银行的发展起着至关重要 的作用。JS银行的公司业务面临整体增长乏力的现象。面对经营发展的困境， JS银行需要寻找新的突破点，在合规经营的前提下，守住风险底线，如何拓宽 公司业务转型发展道路是JS银行面临的重大难题。 本文通过战略管理相关理论工具，结合自己多年在JS银行从事公司业务的 经历，深刻分析了JS银行由于合并重组后的局限性、创新能力不强、市场定位 不明确、风险管理水平薄弱等原因，导致了公司业务所面临的传统型利差模式 受到挑战、外资银行及民营银行牌照的放开的冲击、金融脱媒现象逐渐加剧、 监管套利违反审慎监管要求、不良资产呈上升趋势等一系列的问题。运用PEST 分析法和SWOT分析法对JS银行公司业务转型发展的紧迫性和必要性进行深入 分析。同时通过借鉴花旗银行、北京银行转型发展的经验，JS银行在公司业务 在合规经营前提下，改变传统的经营模式，探索出一条聚焦中间业务品牌建设、 聚焦绿色金融产品体系建设、聚焦高质量服务实体经济、聚焦三农金融扶贫工 作、聚焦全面风险管理体系建设的转型发展之路。 关键词：JS银行；公司业务；转型发展；策略 ABSTRACT II ABSTRACT Influenced by the global monetary policy tightening and the increasing trade friction between China and the United States, China's financial market has entered a period of high volatility. At the same time, the financial supply side reform has entered the deep-water area, and the commercial banks have realized the continuous expansion of the asset scale by increasing the income of intermediary business, which has caused a lot of financial chaos, and the bank's credit capital has been divorced from the real to the virtual, further leading to the difficulty of real economy financing, and the financing cost has become higher. The regulatory authorities have intensively issued a number of regulatory policies, the fundamental purpose of which is to strengthen risk management and control, make up for regulatory weaknesses, and prevent the phenomenon of credit funds from getting rid of the real to the virtual. Strengthening risk compliance management has become one of the most important core work of commercial banks. Corporate business is the most important source of profit for commercial banks, which plays an important role in the development of commercial banks. JS bank's corporate business is facing the phenomenon of weak overall growth. In the face of the dilemma of business development, JS bank needs to find new breakthrough points. Under the premise of compliant operation, it is a major problem for JS bank to keep the bottom line of risk and how to broaden the path of business transformation and development. Based on the relevant theoretical tools of strategic management, combined with the company business experience in JS bank for many years, this paper deeply analyzes the limitations of JS bank after merger and reorganization, weak innovation ability, unclear market positioning, weak risk management level and other reasons, which lead to the challenge of traditional interest margin model, foreign banks and private banks license release There are a series of problems, such as the impact of opening, the rising trend of non-performing assets, the increasing phenomenon of financial disintermediation, regulatory arbitrage violating the requirements of prudential regulation. Using PEST analysis and SWOT analysis, this paper analyzes ABSTRACT III the urgency and necessity of JS bank company's business transformation and development. At the same time, by learning from the experience of transformation and development of Citibank and Bank of Beijing, JS bank has changed the traditional business model under the premise of corporate business compliance, and explored a way of transformation and development that focuses on the construction of intermediary business brand, green financial product system, high-quality service to the real economy, poverty alleviation of agriculture, rural areas and farmers, and comprehensive risk management system. Key words: Bank of JS ; Corporate Business ; Transformation Development ; Strategy 目录 IV 目录 摘要 .................................................... I ABSTRACT ................................................ II 第一章 绪论 ............................................. 1 第一节 研究背景和意义 ................................... 1 一、研究背景 ................................................................................................. 1 二、研究意义 ................................................................................................................. 2 第二节 国内外研究概况 ................................... 2 一、国外研究概况 ......................................................................................................... 2 二、国内研究概况 ......................................................................................................... 3 第三节 研究方法与技术路线 ............................... 4 一、研究方法 ................................................................................................................. 4 二、技术路线 ................................................................................................................. 5 第四节 研究内容与创新点 ................................. 6 一、研究内容 ................................................................................................................. 6 二、创新之处 ................................................................................................................. 7 第二章 相关概念和理论 ................................... 8 第一节 相关概念界定 ..................................... 8 一、金融脱媒 ................................................................................................................. 8 二、商业银行的公司业务 ............................................................................................. 8 第二节 相关理论 ......................................... 9 一、转型发展理论 ......................................................................................................... 9 二、战略及战略管理理论 ........................................................................................... 10 第三章 JS银行公司业务的发展现状与困境分析 .............. 11 第一节 JS银行成立的背景及发展概况 ...................... 11 一、JS银行成立的背景 ................................................................................................ 11 二、JS银行发展现状 ................................................................................................... 12 三、JS银行公司业务发展现状 ................................................................................... 12 第二节 JS银行公司业务发展面临的问题 .................... 14 一、传统型的利差盈利模式受到严峻挑战 ................................................................ 14 二、外资银行扩张和民营银行金融牌照的放开带来的冲击 .................................... 15 三、金融脱媒现象逐渐加剧 ....................................................................................... 17 四、监管套利违反审慎监管要求................................................................................ 20 五、风险控制能力偏弱导致不良资产呈现上升趋势 ................................................ 21 目录 V 第四节 JS银行公司业务面临问题的原因分析 ................ 23 一、JS银行合并重组后的局限性 ............................................................................... 23 二、市场定位不明确 ................................................................................................... 23 三、JS银行创新能力有待进一步提高 ....................................................................... 24 四、JS银行信息科技能力有所