財務報告後的銀行商業模式探研(doc 35頁)

財務報告後的銀行商業模式探研目錄：
第一章 緒論
第二章 理論回顧
第三章 財務報表與商業模式的聯係
第四章 中信銀行與建設銀行財務報表之比較

財務報告後的銀行商業模式探研內容提要：
A Study on Bank Business Model behind Financial Report——Based on a Comparison between CITIC Bank and China Construction Bank
Abstract
After China’s entry into WTO, quantities of strong transnational banks rapidly entered into Chinese market. For one thing, it has accelerated Chinese commercial banks’ process of internationalization. For another thing, it has led intensely competition. In the practice of competition, more and more high level managers in commercial bank have realized clearly that there is a special and feasible commercial bank business model (CBBM) behind every strong transnational bank, which has become the key point for these corporations in the market competition. However, at present, it has not formed an unified and relatively intact theoretical framework of the study on CBBM, and there are still many theoretical vacancies in this field. Based on that, we try to through an new perspective to explore the essence as well as the achievement ways of CBBM in this article, and find out the general laws hided behind the complex phenomenon in order to guide Chinese commercial bank to achieve the successful innovation of CBBM.
In the article, we have used the researching methods such as logical deduction, comparative analysis, case study, and experiential induction, to make full explanation of the essence as well as the achievement ways of the CBBM.
According to the analysis in the article, we find that, in essence, CBBM is an integrated solution to maximize clients’ interest, regroup inner and outer advantage resource of the bank, gradually increase asset, with a goal of forming an integrated efficient operating system which has an unusual competent advantage, to reduce badness asset proportion and cost proportion and by providing pertinence various kings of products, services and their combinations sequentially profiting continuously. This conclusion has very important significance for the later theoretical study of CBBM, mean while, it is also important to guide our Chinese commercial banks to make the efficient innovation of CBBM. Our Chinese banks could create and keep certain comparable advantage of competition by the innovations of CBBM those match their real situation.

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