摘 要

这几年，金融市场变得更加自由，开放的程度也在渐渐提高，这就使得同业之间的竞争更加的激烈、市场的环境也变得越来越复杂，这都使得中国的商业银行又有了一些新的不同的挑战，要怎么样才能在这样的环境里提升自身经营的水平，为客户带去更加优良的产品和全面的服务，让自身在全球竞争的格局当中的占据优势地位，并发挥出在国家战略实施中更加重要的作用，这都是商业银行要面临的走向世界的共同课题。在这样的一个背景下面，商业银行开展多元化的经营，并且进行大胆创新是非常重要的。本文就是这一现实的基础上，分析商业银行进行多元化经营的重要性、优势和挑战，同时针对这些挑战提出相应的措施建议，以期促进商业银行的进一步发展，更好地服务人民。

Abstract

In these years, the financial market has become more free, and the level of opening is also gradually improved, which makes the competition between the same industry more fierce, the market environment has become more and more complicated, which makes China's commercial banks again. With some new challenges, how can I improve their own business in such an environment, bringing more excellent products and comprehensive services to make themselves in the global competition. It is also a more important role in national strategic implementation, which is a common topic that commercial banks will face to the world. In such a background, commercial banks carry out diversified operations and is very important to carry out bold innovation. Based on this reality, this article analyzes the importance, advantages and challenges of commercial banks for diversified operations, while proposing corresponding measures to these challenges, in order to promote the further development of commercial banks, better serve the people.

Keywords commercial Bank multichannel management Business strategy

 

目录

1 引言 1

1.1 研究背景与意义 1

1.2 研究内容及研究方法 2

1.3 国内外研究综述 3

1.4 论文的创新点及不足之处 5

2 相关概念界定和相关理论分析 5

2.1 多元化经营的概念 5

2.2 银行的多元化经营理论 6

2.3 商业银行多元化经营的正面效应的理论分析 6

2.4 商业银行多元化经营的负面效应的理论分析 6

3 我国商业银行多元化经营的现状和优势 7

3.1 我国商业银行多元化经营的现状 7

3.2商业银行多元化经营的优势 9

4 我国商业银行多元化经营面临的挑战 10

4.1 多元化程度较低，缺乏管理 10

4.2 金融产品和服务同质化严重 11

4.4 风险控制仍有待进一步改进 12

5 我国商业银行多元化经营——以农业银行为例 12

5.1 我国农业业银行多元化经营的现状 12

5.2 我国农业银行多元化经营面临的挑战 13

5.3 我国农业银行多元化经营的措施 14

6 促进商业银行多元化经营的措施 15

6.1 建立核心竞争力，加强多元化程度 15

6.2 打破固有模式，强化自身优势 16

6.3 慎重选择进入行业，避免资源浪费 17

6.4 改进内控机制，加强风险防范意识 17

结 论 19

致 谢 20

参 考 文 献 21