精选建行无锡分行个人银行业务发展策略的研究.docVIP

建行无锡分行个人银行业务发展策略研究 摘 要 随着国民经济的快速稳定发展,我国居民收入不断增加、私人财 富不断扩大，个人银行业务成为商业银行竞相开拓的重要领域。但总 体而言,由于起步较晚,我国商业银行个人银行业务发展水平仍然不 高。根据 WTO 协议，中国于 2006 年底取消所有地域限制，全面对外 资银行开放人民币业务，中外资银行对个人银行业务的争夺将更为激 烈。所以，深入的研究个人银行业务的发展,既对所研究的银行有较 为现实的指导意义，又对其他商业银行有借鉴作用。 本文研究的内容是建行无锡分行个人银行业务的发展策略。论文 共分为五部分：第一部分是绪论。第二部分从个人银行业务的定义入 手，介绍了个人银行业务在商业银行经营中的地位和作用以及国内外 银行开展个人银行业务的情况。第三部分分析了建行无锡分行开展个 人银行业务的现状，包括发展历程、外在环境、组织结构和产品等， 并与无锡同业进行了比较分析。第四部分用 SWOT 分析法系统分析了 建行无锡分行个人银行业务领域的优势和劣势，以及面临的机遇和挑 战。最后利用 SWOT 矩阵分析得出的结论，从战略、创新、营销和风 险控制等方面对建行无锡分行个人银行业务的发展提出了建议。 关键词：商业银行，个人银行业务，发展策略 THE RESEARCH OF PERSONAL BANKING DEVELOPMENT STRATEGY OF CCB WUXI BRANCH ABSTRACT With rapid and steady economic development, income and private wealth of Chinese residents continue to grow. Personal banking business became a more and more important field for commercial banks’ competition. However, due to late start, personal banking business developing level of Chinese commercial banks is still low. According to the WTO agreement, China removed all geographical restrictions and opened individual RMB business to all foreign banks in 2006, which mean the competition for the personal banking business will be even more intense. Therefore, to conduct in-depth research on the development of personal banking business has practical guidance not only to the bank researched in this paper but also to other commercial banks. This paper studies the personal banking business development strategy of CCB Wuxi branch. Thesis is divided into five parts: the first part is the introduction; the second part starting from the definition of personal banking business, introduces the basic features of personal banking business and its status and role of commercial banks operating; the third part focuses in the personal banking business’s history and current situation of CCB and compares the differences in business philosophy between CCB and more advanced foreign bank in China for example HSBC; part fourth from the external environment, organization structure