文档介绍：宁夏大学
硕士学位论文
中国银行宁夏分行保函业务发展现状及策略分析
姓名:毛羽
申请学位级别:硕士
专业:工商管理
指导教师:何凤隽
2011-03
摘要

保函作为中国银行的传统优势产品为促进国家的经济建设发挥了不可替代的作用。但该业务
在宁夏发展曾一度不被看好。2007年,全球在经历了美国次贷危机及其进一步引发的全球金融危
机的巨大冲击之后,受国际市场需求持续低迷以及风险考虑的影响,保函业务由于它的低风险性
吸引着自治区内大、中小企业的眼球,中国银行宁夏分行的保函业务开始反弹。
文章通过大量的数据对比分析出中国银行宁夏分行保函业务现状,并运用 SWOT 工具分析得
出,中国银行宁夏分行保函业务具有相当明显的竞争优势,但同时也具有不容忽视的将制约保函
业务进一步发展的劣势,如产品创新和市场营销激励考核机制的不完善等。正确认识、评价自身
的优劣势,把握发展机遇,积极迎接挑战,制定切实可行的发展策略,已经成为中国银行宁夏分
行大力拓展保函业务的现实问题。针对上述分析,本文提出促进中国银行宁夏分行保函业务的发
展策略:,完善保函规章制度的建立,加强保函业务风险防范能力;
力度,发挥传统优势,提高保函业务市场竞争力;、客户需求分析,挖掘保函业务发
展潜力;,拉动保函业务发展,巩固中国银行宁夏分行优势品牌;
源建设及后备人才建设。

关键词:中国银行宁夏分行,保函,现状分析,发展策略
Abstract
As a traditional superior product of Bank of China, Letter of Guarantee (L/G) played an
irreplaceable role in promoting the country’s economic construction. Yet its development in Ningxia
was not promising. In 2007, the world underwent the tremendous shock of American subprime crisis
and the subsequent global financial crisis. Under the influence of the on-going downturn of international
market demand and risk consideration, L/G with the advantage of low risk attracted large, small and
medium-sized enterprises in the autonomous region, therefore, L/G of Bank of China, Ningxia Branch
began rebounding.
parison of large amounts of data, this paper analyses the status quo of L/G of Bank of
China, Ningxia Branch, and with SWOT analysis, draws the conclusion that L/G of the bank has
petitive edge, and meanwhile there are weak points that will restrict its further development,
for instance, imperfection of product innovation and marketing incentive assessment mechanism. The
essful expansion of L/G of Bank of China, Ningxia Branch relies on correct awareness and
evaluation of its strength and weakness, grasping development opportunities, meeting challenges and
formulating feasible development strategies. Based on the above analysis, this paper puts forward some
development strat