农行江苏省分行中间业务发展策略探究.pdf

农行江苏省分行中间业务发展策略研究 摘 要 中国农业银行江苏省分行依托江苏省良好的社会经济环境，科学有效的内 部激励机制和训练有素的干部员工队伍，经营管理在全国农行系统中一直处于 领跑地位。近年来，为了进一步适应市场竞争的需要，建设城市主流银行、县 域领军银行和最大最强个人业务银行，着力于解决影响市场竞争的一系列问题， 提出将发展中间业务作为一项长期的战略 目标组织推动实施。在巩固传统业务 竞争优势的同时，发展中间业务成为农行江苏省分行提高竞争能力、培养新的 效益增长点的重要支撑。 论文以商业银行中间业务开展现状为研究背景，以中间业务种类、市场开 发状况以及业务发展趋势为主要研究内容，从阐述现代商业银行中间业务相关 概念和金融创新基本理论入手，通过实证分析，分析了农行江苏省分行中间业 务发展现状，指出了发展中存在的若干问题，如产品创新不足、营销能力欠缺、 价值创造不强等 。论文在分析问题根源和解决途径的基础上，提出了加强客户 基础建设，培养营销能力，加快产品和服务手段创新，提升精细化管理水平等 发展对策，给出了建设中间业务价值创造新体系的结论。论文理论联系实际， 定性与定量分析相结合，对于商业银行发展中间业务具有特别的实践意义。 关键词：农业银行江苏省分行;中间业务;发展对策 4 Research on the Development Strategies of Intermediary Business in Agriculture Bank of China Jiangsu Branch Abstract The operating management level of Agriculture Bank of China (ABC) Jiangsu Branch is in the leading position among the nationwide branches, which is the result of Jiangsu’s favorable socio-economic environment, a scientific and effective incentive mechanism and well-trained team of cadres and staff. With the purpose of adapting to the requirements of market competition, constructing the mainstream and leading bank in cities and country respectively, as well as establishing the biggest and strongest personal banking bu siness, the ABC Jiangsu Branch will dedicate to the problems that affect the market competition and to develop intermediary business as the long-term strategic goals. While consolidating the advantage of traditional business in ABC Jiangsu Branch, the intermediary business will serve as a significant support for boosting the competitiveness and to cultivate new sources of benefit growth.