我国股份制银行理财业务创新研究
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摘要
近几年我国理财市场发展迅速,无论是发行量、募集规模还是参与的市场主体的数量均创造了一个又一个高点,而作为一直走在理财创新前沿的股份制银行更是在这一场变革中凸显了核心竞争力,赢得了客户的认可、拥有较高的市场占有率。由于我国理财市场的兴起时间不长,许多问题如产品同质化严重、服务平均化严重、业务程序繁琐等还普遍存在,究其根本就是因为商业银行没有根据理财业务的灵活性、多样性特征进行相应的创新,也即我国理财市场问题的根源就是创新不足。
针对当前我国银行理财业务普遍存在的这些现实问题,本文运用金融创新理论中的要素分解思想,将涉及理财业务的理财产品、理财服务和理财流程等构成要素进行分解,剖析其构成要件,采用分解重组的思想实现创新的目的,以设计出品种多样、服务内容丰富、业务办理便捷高效的理财业务体系。本文还在对理财产品、理财服务和理财流程的创新研究中使用了案例、实证和问卷调查的分析方法,结合现实案例将理论和实践融合起来。
本文研究的主线是通过使用金融创新理论来对理财产品创新、理财服务创新和理财流程创新进行分析,以最终实现股份制银行理财业务的创新。研究的主要内容如下：
导论部分主要阐述了本文的研究背景、研究目的和研究意义。由于对高杠杆率业务缺乏有效监管导致的金融危机,监管当局进一步意识到审慎监管的重要性,并制定了一系列新的监管规则以提高监管要求,这些对商业银行的资本管理能力提出了更为严格的要求；全球化脚步的推进和利率市场化进程的不断加快,长期依赖存贷利差存活的我国商业银行将难以为继；同时,金融机构间竞争激烈化程度的不断加剧,迫使股份制银行必须进行业务转型,回归服务中介本质。通观欧美等发达国家银行的发展历程和业务构成,可发现在发达国家,中间业务在银行日常经营管理中占有非常重要的比重和地位,而我国银行业中间业务占比普遍不高。随着资本约束困境的长期存在,发展中间业务将是银行的普遍选择和必然方向,理财业务作为一种非常重要的创新型中间业务,在我国已取得了比较好的实践成果,也正是基于此,本文专注于研究股份制银行的理财业务创新问题。
本文的研究意义可从理论层面和实践层面得以体现：理论层面上,本文从股份制银行理财产品的创新、理财服务的创新以及理财业务流程的创新等三个方面来对股份制银行如何创新发展理财业务展开研究。通过系统性和针对性的研究,丰富了国内关于股份制银行理财业务创新发展的理论基础。实践层面上,由于研究的目的是为了更好地服务于股份制银行理财业务的开展,所以在研究过程中使用了案例分析、问卷调查、比较分析和实证研究等方法,以更好地体现实用性需求。比如：在开展对理财服务的创新研究时,采用了问卷调查的方法,了解某一股份制银行的理财客户对该行理财服务质量的全面评价,从而站在客户的视角来挖掘当前我国股份制银行理财服务普遍存在的不足之处,并结合理财产品购买者的真实感受和服务期望,给出几点针对性和可操作性较强的对策建议；在对理财流程的创新研究时,以某一股份制银行的理财业务流程为案例进行分析,通过理论指导挖掘其组织架构和流程中的不足,进而根据理财业务的特征,给出可供参考和可操作的流程再造建议。
第一章首先对理财的概念进行了界定,以明确本文研究的方向。同时,对国内外专家学者关于中型银行的战略选择和市场定位进行了简要的文献回顾。根据众多研究学者对中型银行的研究结论,得出大力开展资本节约型业务将是大势所趋。近几年,飞速发展的理财业务或许就是众多银行展开中间业务竞争的预演,也是大多数银行为适应利率市场化进行业务转型的突破口。其次,本文根据股份制银行的发展路线追溯了理财业务在我国的发展历程,并从不同银行机构类型(包括大型商业银行、股份制银行、外资行、城商行和农商行)来分析我国理财业务发展的现状,并据此获得股份制银行在我国理财业务总体中的发展情况,然后再对11家股份制银行的理财业务水平进行了简要的对比分析。分析采用主成分分析的实证方法,通过纯粹定量的评价模型,将设定的衡量指标以综合得分的方式来对股份制银行的理财业务能力进行排名。实证结果表明,招商银行、民生银行和光大银行综合得分排在前三位,这一结果与已公布的外部评价结论和现实情况高度趋同,从而证实本文所使用的实证方法是可行的。最后,本章从理财产品、理财服务和理财业务流程这三个方面就我国股份制银行理财业务当前存在的问题进行分析,得出当前我国理财业务的关键问题是创新不足的结论。
第二章基于创新理论中的要素分析方法,针对发现的问题提出了解决思路,提出解决理财业务中存在的一系列创新不足问题的关键是要对理财产品、理财服务和理财流程中的核心环节和构成要素进行分解并重构。本章运用要素创新理论剖析了理财产品、理财服务、理财流程中包含的构成要素,为后面的研究奠定理论基础。
第三章主要研究理财产品的创新思路和方法。首先梳理了现有理财产品的基本设计架构。其次,从开放式和结构化两个方面对理财产品的创新进行了探讨,并提出了一些创新的设计思路,如可以尝试设计天天理财产品,采用基金化的方式来设计开放式理财产品,拓宽理财投资账户的功能等。考虑到投资管理能力是银行理财业务的保障,本章使用了经典的詹森指数,选择在理财产品发行占比中比重最高的债券类理财产品进行分析,将我国股份制银行的投资管理能力进行展现。最后,在理论分析的基础之上,使用上交所197只分红类股票对“食利蚂蚱”投资机会是否存在进行验证,并根据已有的理财产品基本设计架构,以分红类股票为投资标的设计了一款创新理财产品,提出了发行可挂牌交易的分红类股票的理财产品的设想,丰富了当前股份制银行的理财产品种类。
第四章从理财服务的主要内容和特性入手,给出理财服务的策略选择。在此基础上,就股份制银行理财服务质量的现状问题进行问卷调查。选择某家股份制银行及其客户作为调研对象,以客户对该家股份制银行理财服务的真实感受为依据来对理财服务进行评价,然后根据被调研对象的调研信息对股份制银行的理财服务质量进行了整理和总结,并就股份制银行在理财服务的过程中存在的不足之处给出若干建议。值得一提的是,本章在问卷调查过程中,考虑到理财业务的实际,在问卷题目的设置上增加了理财信息透明度和理财纠纷处理等内容,以使有关结论能够与理财市场的实际相结合,这在以往的研究文献中是没有的。
第五章首先梳理了银行流程再造的国内外文献,以对银行流程再造有一个整体的把握,并明确银行流程再造的逻辑关系和突破口。其次,采用外在机会、外在威胁、内部优势和内部劣势的SWOT分析方法来分析股份制银行发展理财业务的流程现状,从而得出当前我国股份制银行所处流程再造的空间,并从改变股份制银行理财业务活动本身、改变理财业务活动间的关系、改变理财业务活动的承担者和改变理财业务活动的实现方式等几个方面提出改进股份制银行理财业务流程的思路。最后,以某一家股份制银行为案例,剖析该家股份制银行理财业务流程中存在的不足之处,并针对这些不足,给出了一系列组织架构再造和业务流程改造的思路和建议。
最后一章是本文的结论和总结部分,归整了本文的研究思路和研究历程以及得出的主要结论。
本文以金融创新理论作为研究股份制银行理财业务创新的理论基础,综合性地使用了多学科理论知识,跨越金融学和管理学等学科。在研究过程中综合性地使用了实证研究方法、调查问卷方法和案例研究方法,以对股份制银行理财业务问题进行一个系统的、全面的分析,这是本文的创新之处。但是由于本文构建的股份制银行理财业务创新问题涵盖了理财产品、理财服务和理财流程等不同方面,由于某些客观条件的制约和主观上能力与精力所限,导致在研究过程中没有就特定方面进行更为深入的分析；同时,在问卷调查、实证分析和案例分析过程中仍存在不少需要改进的空间。
In recent years,the financial market in China has a rapid development,not only the number and scale,but also the player involved,created one after another good performance.Joint-stock banks,in the forefront of financial innovation,has won the recognition of customers and account for a very high market share. While because financial business in China existed not for long.there are lots of problems need commercial banks to solve.and lack of innovation is the core of all the problems.
For these problems which commonly presented in banks'financial business in China,this paper uses the theory of financial innovation to study and solve the problems,in order to provide vatiety designed products and rich-contented service and convenient&efficient process for financial business,this paper uses the way of case and empirical and questionnaire to study the innovation of financial produc.financial service,and financial process.
The main line of this paper by using the theory of financial innovation to study financial product,financial service.and financial process respectly,and,ultimately achieve the financial business innovation of joint-stock banks in China.The main content of this paper are:
Introduction part mainly introduce the background,purpose,and significance of this paper.Due to the lack of effective supervision led the financial crisis happened,which let the regulatory authorities further realized the importance of the regulation,so they assigned a set of regulatory rules and regulatory requirements to propose a more stringent capital requirements to commercial banks,so depend on the deposit and lending sprends to survive by China's commercial banks will be more and more difficult,which require banks to change.Throughout the banks in developed countries main found that intermediary business occupied a very important proportion and status,while the proportion of intermediary business in China's banks still very low. With the presence of capital constraints, the development of intermediary business will be a popular choice, and the inevitable direction of the bank in China.Financial business,as a very important intermediary business, has achieved a good development in China,because of this,this paper focuses on the study of the joint-stock banks'financial innovation.Research significance of this article can be reflected from the theoretical level and a practical level.On the theoretical level,this paper from the innovation of financial products,financial service,and financial process to study how the joint-stock banks to achieve the innovation of financial business,this systematic and targeted research will enrich the theoretical foundation of the domestic research about financial business innovation of joint-stock banks.On the practical level,because the purpose of this paper is to better serve the financial business for joint-stock banks to carry out,so,in order to better reflect the practical value of financial business,this paper used the method of case,questionnaires,comparative analysis,and empirical research.
In order to clear the direction of this study,Chapter One firstly defined the concept of finance.Meanwhile,briefly reviewed the literature of domestic and foreign experts and scholars on the strategic choice and market positioning about medium-sized banks.Many researchers believe that the capital-saved business will become the trend for banks.Secondly,the paper traces the path of the joint-stock banks to know the development course of financial business in China.And from different types of banking institutions to analyze the development situation of China's financial business.In order to have an in-depth understanding of competitiveness of the financial business in China's joint-stock banks,this paper used the principal component analysis method,the empirical results show that China Merchants Bank,China Minsheng Bank and China Everbright Bank are top three,which highly degree of convergence with the existing evaluation methods and realities.Finally,this chapter mainly from financial products,financial service and financial processes to analysis the current problems of financial business in China's joint-stock banks.
While to solve these existed problems of financial business is the main purpose of this paper.In order to solve the existed problems,the key step is to interpret and reconstruct the core elements of financial products,financial service,and financial process contained.So,Chapter Two uses the theory of financial innovation to analysis what elements the financial product,financial service,and financial process contain.On this basis,lay the theoretical foundation for the later study.
In order to become familiar with the existing status of financial products' design,Chapter Three firstly combing the basic design architecture of the existing financial products.Secondly,mainly from both open and structure to discuss the innovation of financial products,and give some ideas for innovation design,such as design the Tian Tian financial products or use the way of fund to design the open financial products,and so on.Finally,on the base of the theoretical analysis, this paper,uses the dividend stocks as investment target,designed a kind financial product,which can enrich the types of financial products,also because dividend stocks have an active secondary market,joint-stock banks can try to let this type of financial product issue stock listed and traded.
Chapter Four start from the main content and characteristics of financial service and then give some strategies selection for financial service.This paper choose a joint-stock bank and its customers as a representative to survey the current problems of the quality of financial service by questionnaire.Then collate and summarize the research information from the customers.by this information can evaluate the real quality of the financial service that joint-stock bank provided,and then give some proposals for financial service of joint-stock banks.Taking into account the actual of financial service.so before survey,this paper increase the transparency of financial information and financial disputes in the setting of the questionnaire asked items,which can not be seen in the previous study,and it can also well combined the conclusion with the actual financial market.
In order to have an overall grasp of the banking reengineering.Chapter Five firstly combing the literature about the banking reengineering.This paper uses the SWOT method which contains the external opportunities and external threats.internal strengths and internal weakness to analyze the status of financial business of joint-stock banks.knowing the space in which the joint-stock banks can fulfill the process reengineering.This paper find that by changing the relationship between financial business,financial business activities and financial business management,is a good way to improve financial business of joint-stock banks.Finally,this paper uses a joint-stock bank as a case to analyze the deficiencies of financial process of the joint-stock bank,and then gives a series of suggestions for structure reengineering of financial process.
The last Chapter is the conclusion of this article and a review of this research ideas and research course.
In this paper,the theory of financial innovation is the theoretical basis for the research of financial business innovation for Chinese joint-stock banks,this paper comprehensively uses a multi-disciplinary of Finance and Management,and in the course of the study,this article also comprehensively uses the empirical research method,questionnaire method and case study method,all what the paper do is to have a systematical and comprehensive analysis of financial business provived by joint-stock banks,this is the innovation of this paper.Of course,for the financial business of joint-stock banks covers three aspects of financial product,financial service and financial process,which resulting no in-depth analysis for each aspect;meanwhile,there is still a lot of room for improvement in the method of empirical analysis,questionnaire survey and case analysis.
针对当前我国银行理财业务普遍存在的这些现实问题,本文运用金融创新理论中的要素分解思想,将涉及理财业务的理财产品、理财服务和理财流程等构成要素进行分解,剖析其构成要件,采用分解重组的思想实现创新的目的,以设计出品种多样、服务内容丰富、业务办理便捷高效的理财业务体系。本文还在对理财产品、理财服务和理财流程的创新研究中使用了案例、实证和问卷调查的分析方法,结合现实案例将理论和实践融合起来。
本文研究的主线是通过使用金融创新理论来对理财产品创新、理财服务创新和理财流程创新进行分析,以最终实现股份制银行理财业务的创新。研究的主要内容如下：
导论部分主要阐述了本文的研究背景、研究目的和研究意义。由于对高杠杆率业务缺乏有效监管导致的金融危机,监管当局进一步意识到审慎监管的重要性,并制定了一系列新的监管规则以提高监管要求,这些对商业银行的资本管理能力提出了更为严格的要求；全球化脚步的推进和利率市场化进程的不断加快,长期依赖存贷利差存活的我国商业银行将难以为继；同时,金融机构间竞争激烈化程度的不断加剧,迫使股份制银行必须进行业务转型,回归服务中介本质。通观欧美等发达国家银行的发展历程和业务构成,可发现在发达国家,中间业务在银行日常经营管理中占有非常重要的比重和地位,而我国银行业中间业务占比普遍不高。随着资本约束困境的长期存在,发展中间业务将是银行的普遍选择和必然方向,理财业务作为一种非常重要的创新型中间业务,在我国已取得了比较好的实践成果,也正是基于此,本文专注于研究股份制银行的理财业务创新问题。
本文的研究意义可从理论层面和实践层面得以体现：理论层面上,本文从股份制银行理财产品的创新、理财服务的创新以及理财业务流程的创新等三个方面来对股份制银行如何创新发展理财业务展开研究。通过系统性和针对性的研究,丰富了国内关于股份制银行理财业务创新发展的理论基础。实践层面上,由于研究的目的是为了更好地服务于股份制银行理财业务的开展,所以在研究过程中使用了案例分析、问卷调查、比较分析和实证研究等方法,以更好地体现实用性需求。比如：在开展对理财服务的创新研究时,采用了问卷调查的方法,了解某一股份制银行的理财客户对该行理财服务质量的全面评价,从而站在客户的视角来挖掘当前我国股份制银行理财服务普遍存在的不足之处,并结合理财产品购买者的真实感受和服务期望,给出几点针对性和可操作性较强的对策建议；在对理财流程的创新研究时,以某一股份制银行的理财业务流程为案例进行分析,通过理论指导挖掘其组织架构和流程中的不足,进而根据理财业务的特征,给出可供参考和可操作的流程再造建议。
第一章首先对理财的概念进行了界定,以明确本文研究的方向。同时,对国内外专家学者关于中型银行的战略选择和市场定位进行了简要的文献回顾。根据众多研究学者对中型银行的研究结论,得出大力开展资本节约型业务将是大势所趋。近几年,飞速发展的理财业务或许就是众多银行展开中间业务竞争的预演,也是大多数银行为适应利率市场化进行业务转型的突破口。其次,本文根据股份制银行的发展路线追溯了理财业务在我国的发展历程,并从不同银行机构类型(包括大型商业银行、股份制银行、外资行、城商行和农商行)来分析我国理财业务发展的现状,并据此获得股份制银行在我国理财业务总体中的发展情况,然后再对11家股份制银行的理财业务水平进行了简要的对比分析。分析采用主成分分析的实证方法,通过纯粹定量的评价模型,将设定的衡量指标以综合得分的方式来对股份制银行的理财业务能力进行排名。实证结果表明,招商银行、民生银行和光大银行综合得分排在前三位,这一结果与已公布的外部评价结论和现实情况高度趋同,从而证实本文所使用的实证方法是可行的。最后,本章从理财产品、理财服务和理财业务流程这三个方面就我国股份制银行理财业务当前存在的问题进行分析,得出当前我国理财业务的关键问题是创新不足的结论。
第二章基于创新理论中的要素分析方法,针对发现的问题提出了解决思路,提出解决理财业务中存在的一系列创新不足问题的关键是要对理财产品、理财服务和理财流程中的核心环节和构成要素进行分解并重构。本章运用要素创新理论剖析了理财产品、理财服务、理财流程中包含的构成要素,为后面的研究奠定理论基础。
第三章主要研究理财产品的创新思路和方法。首先梳理了现有理财产品的基本设计架构。其次,从开放式和结构化两个方面对理财产品的创新进行了探讨,并提出了一些创新的设计思路,如可以尝试设计天天理财产品,采用基金化的方式来设计开放式理财产品,拓宽理财投资账户的功能等。考虑到投资管理能力是银行理财业务的保障,本章使用了经典的詹森指数,选择在理财产品发行占比中比重最高的债券类理财产品进行分析,将我国股份制银行的投资管理能力进行展现。最后,在理论分析的基础之上,使用上交所197只分红类股票对“食利蚂蚱”投资机会是否存在进行验证,并根据已有的理财产品基本设计架构,以分红类股票为投资标的设计了一款创新理财产品,提出了发行可挂牌交易的分红类股票的理财产品的设想,丰富了当前股份制银行的理财产品种类。
第四章从理财服务的主要内容和特性入手,给出理财服务的策略选择。在此基础上,就股份制银行理财服务质量的现状问题进行问卷调查。选择某家股份制银行及其客户作为调研对象,以客户对该家股份制银行理财服务的真实感受为依据来对理财服务进行评价,然后根据被调研对象的调研信息对股份制银行的理财服务质量进行了整理和总结,并就股份制银行在理财服务的过程中存在的不足之处给出若干建议。值得一提的是,本章在问卷调查过程中,考虑到理财业务的实际,在问卷题目的设置上增加了理财信息透明度和理财纠纷处理等内容,以使有关结论能够与理财市场的实际相结合,这在以往的研究文献中是没有的。
第五章首先梳理了银行流程再造的国内外文献,以对银行流程再造有一个整体的把握,并明确银行流程再造的逻辑关系和突破口。其次,采用外在机会、外在威胁、内部优势和内部劣势的SWOT分析方法来分析股份制银行发展理财业务的流程现状,从而得出当前我国股份制银行所处流程再造的空间,并从改变股份制银行理财业务活动本身、改变理财业务活动间的关系、改变理财业务活动的承担者和改变理财业务活动的实现方式等几个方面提出改进股份制银行理财业务流程的思路。最后,以某一家股份制银行为案例,剖析该家股份制银行理财业务流程中存在的不足之处,并针对这些不足,给出了一系列组织架构再造和业务流程改造的思路和建议。
最后一章是本文的结论和总结部分,归整了本文的研究思路和研究历程以及得出的主要结论。
本文以金融创新理论作为研究股份制银行理财业务创新的理论基础,综合性地使用了多学科理论知识,跨越金融学和管理学等学科。在研究过程中综合性地使用了实证研究方法、调查问卷方法和案例研究方法,以对股份制银行理财业务问题进行一个系统的、全面的分析,这是本文的创新之处。但是由于本文构建的股份制银行理财业务创新问题涵盖了理财产品、理财服务和理财流程等不同方面,由于某些客观条件的制约和主观上能力与精力所限,导致在研究过程中没有就特定方面进行更为深入的分析；同时,在问卷调查、实证分析和案例分析过程中仍存在不少需要改进的空间。
In recent years,the financial market in China has a rapid development,not only the number and scale,but also the player involved,created one after another good performance.Joint-stock banks,in the forefront of financial innovation,has won the recognition of customers and account for a very high market share. While because financial business in China existed not for long.there are lots of problems need commercial banks to solve.and lack of innovation is the core of all the problems.
For these problems which commonly presented in banks'financial business in China,this paper uses the theory of financial innovation to study and solve the problems,in order to provide vatiety designed products and rich-contented service and convenient&efficient process for financial business,this paper uses the way of case and empirical and questionnaire to study the innovation of financial produc.financial service,and financial process.
The main line of this paper by using the theory of financial innovation to study financial product,financial service.and financial process respectly,and,ultimately achieve the financial business innovation of joint-stock banks in China.The main content of this paper are:
Introduction part mainly introduce the background,purpose,and significance of this paper.Due to the lack of effective supervision led the financial crisis happened,which let the regulatory authorities further realized the importance of the regulation,so they assigned a set of regulatory rules and regulatory requirements to propose a more stringent capital requirements to commercial banks,so depend on the deposit and lending sprends to survive by China's commercial banks will be more and more difficult,which require banks to change.Throughout the banks in developed countries main found that intermediary business occupied a very important proportion and status,while the proportion of intermediary business in China's banks still very low. With the presence of capital constraints, the development of intermediary business will be a popular choice, and the inevitable direction of the bank in China.Financial business,as a very important intermediary business, has achieved a good development in China,because of this,this paper focuses on the study of the joint-stock banks'financial innovation.Research significance of this article can be reflected from the theoretical level and a practical level.On the theoretical level,this paper from the innovation of financial products,financial service,and financial process to study how the joint-stock banks to achieve the innovation of financial business,this systematic and targeted research will enrich the theoretical foundation of the domestic research about financial business innovation of joint-stock banks.On the practical level,because the purpose of this paper is to better serve the financial business for joint-stock banks to carry out,so,in order to better reflect the practical value of financial business,this paper used the method of case,questionnaires,comparative analysis,and empirical research.
In order to clear the direction of this study,Chapter One firstly defined the concept of finance.Meanwhile,briefly reviewed the literature of domestic and foreign experts and scholars on the strategic choice and market positioning about medium-sized banks.Many researchers believe that the capital-saved business will become the trend for banks.Secondly,the paper traces the path of the joint-stock banks to know the development course of financial business in China.And from different types of banking institutions to analyze the development situation of China's financial business.In order to have an in-depth understanding of competitiveness of the financial business in China's joint-stock banks,this paper used the principal component analysis method,the empirical results show that China Merchants Bank,China Minsheng Bank and China Everbright Bank are top three,which highly degree of convergence with the existing evaluation methods and realities.Finally,this chapter mainly from financial products,financial service and financial processes to analysis the current problems of financial business in China's joint-stock banks.
While to solve these existed problems of financial business is the main purpose of this paper.In order to solve the existed problems,the key step is to interpret and reconstruct the core elements of financial products,financial service,and financial process contained.So,Chapter Two uses the theory of financial innovation to analysis what elements the financial product,financial service,and financial process contain.On this basis,lay the theoretical foundation for the later study.
In order to become familiar with the existing status of financial products' design,Chapter Three firstly combing the basic design architecture of the existing financial products.Secondly,mainly from both open and structure to discuss the innovation of financial products,and give some ideas for innovation design,such as design the Tian Tian financial products or use the way of fund to design the open financial products,and so on.Finally,on the base of the theoretical analysis, this paper,uses the dividend stocks as investment target,designed a kind financial product,which can enrich the types of financial products,also because dividend stocks have an active secondary market,joint-stock banks can try to let this type of financial product issue stock listed and traded.
Chapter Four start from the main content and characteristics of financial service and then give some strategies selection for financial service.This paper choose a joint-stock bank and its customers as a representative to survey the current problems of the quality of financial service by questionnaire.Then collate and summarize the research information from the customers.by this information can evaluate the real quality of the financial service that joint-stock bank provided,and then give some proposals for financial service of joint-stock banks.Taking into account the actual of financial service.so before survey,this paper increase the transparency of financial information and financial disputes in the setting of the questionnaire asked items,which can not be seen in the previous study,and it can also well combined the conclusion with the actual financial market.
In order to have an overall grasp of the banking reengineering.Chapter Five firstly combing the literature about the banking reengineering.This paper uses the SWOT method which contains the external opportunities and external threats.internal strengths and internal weakness to analyze the status of financial business of joint-stock banks.knowing the space in which the joint-stock banks can fulfill the process reengineering.This paper find that by changing the relationship between financial business,financial business activities and financial business management,is a good way to improve financial business of joint-stock banks.Finally,this paper uses a joint-stock bank as a case to analyze the deficiencies of financial process of the joint-stock bank,and then gives a series of suggestions for structure reengineering of financial process.
The last Chapter is the conclusion of this article and a review of this research ideas and research course.
In this paper,the theory of financial innovation is the theoretical basis for the research of financial business innovation for Chinese joint-stock banks,this paper comprehensively uses a multi-disciplinary of Finance and Management,and in the course of the study,this article also comprehensively uses the empirical research method,questionnaire method and case study method,all what the paper do is to have a systematical and comprehensive analysis of financial business provived by joint-stock banks,this is the innovation of this paper.Of course,for the financial business of joint-stock banks covers three aspects of financial product,financial service and financial process,which resulting no in-depth analysis for each aspect;meanwhile,there is still a lot of room for improvement in the method of empirical analysis,questionnaire survey and case analysis.
引文
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