商业银行是否受益于产品多元化——关于平安银行的案例分析-金融学专业论文.docxVIP

万 万方数据 上海交通大学 学位论文版权使用授权书 本学位论文作者完全了解学校有关保留、使用学位论文的规定 ，同意 学校保留并向国家有关部门或机构送交论文的复印件和电子版，允许论文 被查阅和|借阅。本人授权上海交通大学可以将本学位论文的全部或部分内 容编入有关数据库进行检索，可以采用影印、缩印或扫描等复制予段保存 和汇编本学位论文。 保密口，在年解密后适用本授权书。 本学位论文属于 不保密[t，。 〈请在以上方框内打 ..; ) 学位论文作者签名:年 岛与 日期: .)..o r) 年 6 月 8 A 指导教师签名: _./气尹-;::C:----áμ。 f 日期:为，，13 年 J 月护日 Do Bank Do Banks Benefit from Product Diversification? A Case Study on Ping An Bank Abstract i 摘要 ii Introduction 1 Chapter One: Theory and Research Design 3 Literature Review 3 Arguments on Product Diversification Benefits 3 Possible Pros and Cons of a Bank PDS 4 Bank Product Diversification in China and of PAB 6 Research Questions 8 Research Design 9 Chapter Two: Case Description 10 Case Briefing 10 Case Sources 14 Chapter Three: Discussion and Analysis 18 Bank Product Diversification: State and Trend 18 Implications from International Experience 18 Diversification Trends in Chinese Banking Industry 20 The Importance of Efficiency and Risk Control 26 Theory: A Return-Risk Profile 26 A Mixed Blessing: PAB Fund-Asset Pool 28 Competitiveness Analysis 33 Cross-selling and Risk Management are Key Abilities 36 Theory: What Abilities Affect Efficiency and Risk Control 36 PAB Strength and Weakness 39 Opportunity and Threat from Expansion 43 Opportunity and Threat Externally 47 Suggestions for PAB 50 SWOT Analysis and a Three-step PDS Roadmap 50 Practices of Ping An Bank in Cross-selling 51 Swiss Life: Best Model for Risk Management 55 Conclusion 57 Bibliography 58 致谢 .....................................................................................................................62 vi D Do Banks Benefit from Product Diversification? A Case Study on Ping An Bank Abstract With the acceleration of interest rate liberalization, it is imperative for a bank to diversify its revenue sources in addition to traditional interest income by providing more products in addition to lending activities. The correspo