深圳市建设银行龙岗支行中间业务的发展问题及对策分析

深圳市建设银行龙岗支行中间业务的发展问题及对策分析摘要目前，全球经济正面临着多样化的发展趋势，金融业市场逐渐呈现自由化程度，随着金融公司的持续增多，各行业之间产生了更加激烈的竞争。为了在激烈的市场环境中具有一定的地位，传统商业银行开始完善其发展战略，加快多方向协同发展。现阶段传统商业银行应该紧跟时代的发展步伐，不要一直盯着资产负债的相关盈利方式。中间业务系统的进一步发展是未来道路发展的必然趋势。这样才能占据一定的市场份额，使得商业银行的经济利润得到提高，促进银行长久良好的发展。然而，由于缺乏一定的发展理论，发展时间较短，商业银行在发展中间业务的时遇到了发展的瓶颈。眼下当务之急是完善发展体系，促进中间业务稳健长久的发展。本文以深圳建设银行龙岗支行中间业务为研究对象，分析了中间业务发展遇到的瓶颈，通过分析深圳建设银行龙岗支行的具体情况，提出了中间业务发展中存在的问题，并针对这些问题提出了对策和建议。深圳建设银行龙岗支行中间业务发展中存在的主要问题是基础客户群体规模偏低、产品创新能力不足、中间业务专业人才缺乏、中间业务风险控制水平不足等。通过分析可知，在开展中间业务时，要充分调查当地经济发展现状，投入相应的人力、管理和营销资源，提高企业经营的针对性，实现产出最大化。为了解决上述问题，本文从实施客户差异化细分、加大产品的创新力度、加大人才建设以及完善风险控制等方面来给出了深圳市建设银行龙岗支行中间业务发展的对策和建议。关键词：中间业务：产品创新：风险管控AbstractAt present,the global economy is facing a diversified development trend,and thefinancial industry market is gradually showing a degree of liberalization.With the continuousincrease of financial companies,there is more fierce competition among various industries.Inorder to have a certain position in the fierce market environment,traditional commercialbanks began to improve their development strategies and accelerate the multi-directioncoordinated development.At the present stage,traditional commercial banks should keep upwith the development pace of The Times,and do not always focus on the related profits ofassets and liabilities.The further development of the intermediate business system is theinevitable trend of the future road development.Only in this way can they occupy a certainmarket share,improve the economic profits of commercial banks,and promote the long-termand good development of banks.However,due to the lack of a certain development theory andthe short development time,the commercial banks have encountered the developmentbottleneck when developing the intermediate business.This paper takes the intermediate business of Longgang Branch of Shenzhen MunicipalConstruction Bank as the research theme,analyzes the problems existing in the developmentof its intermediate business,and puts forward the countermeasures and suggestions for theseproblems.The main problems existing in the development of intermediate business ofShenzhen Construction Bank Longgang Sub-branch are the low scale of the basic customerbase,the insufficient innovation ability,the lack of intermediate business professionals,andthe insufficient risk control level of intermediate business,etc.Therefore,this paper putsforward the countermeasures and suggestions for improving the intermediate businessdevelopment of Shenzhen Construction Bank Longgang Branch from the aspects ofstrengthening the intermediate business customer service,strengthening the productinnovation,strengthening the internal management system,and improving the risk controlsystem of the intermediate business development.Keywords:Intermediate business;product innovation;risk control◇目录摘要…Abstract.绪论11中间业务理论概述.21.1中间业务含义…21.2中间业务的分类21.3中间业务的发展优势32深圳市建设银行龙岗支行中间业务发展现状.42.1中间业务收入与产品结构.42.2深圳市建设银行龙岗支行中间业务收入的访谈调查.42.2.1访谈设计…42.2.2访谈过程与整理42.2.3样本统计分析42.2.4调查结果分析3深圳市建设银行龙岗支行中间业务发展存在的问题93.1基础客