發(fā)布時間：2018-07-18 21:10

【摘要】：金融脫媒、利率市場化、資本充足率、未來增長點商業(yè)銀行不斷面臨的新考驗。傳統(tǒng)的依賴利差收入實現(xiàn)盈利和增長的方式己難適應(yīng)新形勢下的競爭，各商業(yè)銀行都將目光聚焦在了銀行中間業(yè)務(wù)，而要創(chuàng)造、提高中間業(yè)務(wù)收入，零售業(yè)務(wù)則成為了大家不約而同的戰(zhàn)略發(fā)展方向。 網(wǎng)點是銀行業(yè)務(wù)經(jīng)營的窗口和基礎(chǔ)，隨著同業(yè)競爭的日趨加劇，網(wǎng)點已成為銀行發(fā)展零售業(yè)務(wù)最重要的經(jīng)營資源和服務(wù)營銷平臺。在產(chǎn)品高度同質(zhì)化的今天，網(wǎng)點競爭策略已由過去粗放式的廣種薄收拼規(guī)模，轉(zhuǎn)變?yōu)楝F(xiàn)在內(nèi)涵式的精細管理拼服務(wù)。換句話說，也就是由外延擴張比拼轉(zhuǎn)化為軟實力競爭，正因如此，國內(nèi)商業(yè)銀行都將網(wǎng)點轉(zhuǎn)型作為了零售業(yè)務(wù)轉(zhuǎn)型的切入點和落腳點，，紛紛啟動了網(wǎng)點轉(zhuǎn)型項目，隨著同業(yè)網(wǎng)點轉(zhuǎn)型的不斷深入，農(nóng)行既面臨著重大機遇，也接受著嚴峻挑戰(zhàn)。 在此背景下，本文通過借助相關(guān)的企業(yè)變革及戰(zhàn)略管理理論，運用文獻資料法、案例分析法以及理論與實踐相結(jié)合等研究方法，借鑒國內(nèi)外商業(yè)銀行零售業(yè)務(wù)發(fā)展實踐與網(wǎng)點轉(zhuǎn)型經(jīng)驗，首先對眉山農(nóng)行營業(yè)網(wǎng)點經(jīng)營現(xiàn)狀進行了梳理、分析；其次，從網(wǎng)點定位、網(wǎng)點選址與規(guī)劃、網(wǎng)點功能分區(qū)設(shè)計、前后臺銷售流程優(yōu)化、網(wǎng)點崗位與績效管理、網(wǎng)點文化管理等網(wǎng)點轉(zhuǎn)型六個重點環(huán)節(jié)入手，對眉山農(nóng)行這一典型個案進行了網(wǎng)點轉(zhuǎn)型方案設(shè)計；最后，從該行第一階段網(wǎng)點轉(zhuǎn)型中存在的現(xiàn)實問題出發(fā)，嘗試進行對策性的探討。
[Abstract]:Financial disintermediation, interest rate marketization, capital adequacy, future growth point commercial banks are constantly facing a new test. The traditional way to realize profit and growth by relying on interest income has been difficult to adapt to the competition under the new situation. All commercial banks have focused their attention on the intermediate business of the bank, but they should create and improve the income of the intermediate business. Retail business has become the same strategic direction. The network is the window and foundation of the banking business. With the increasing competition among the banks, the network has become the most important business resources and service marketing platform for the development of the retail business of banks. With the high homogeneity of products, the strategy of network competition has changed from extensive and narrow scale to elaborate management service. In other words, that is, from extension expansion to competition for soft power, it is precisely because of this that domestic commercial banks have taken the network transformation as the entry point and foothold of the retail business transformation, and have started the transformation project of the network one after another. With the continuous deepening of peer network transformation, Agricultural Bank of China is faced with both major opportunities and severe challenges. In this context, this paper through the use of relevant enterprise change and strategic management theory, the use of literature, case analysis and the combination of theory and practice, and other research methods. Based on the experience of retail business development and network transformation of commercial banks at home and abroad, this paper firstly combs and analyzes the present situation of the business network of Agricultural Bank of Meishan; secondly, it analyzes the location, location and planning of the network, and the design of the function of the network. Starting with six key links of network transformation, such as optimization of sales flow, network post and performance management, dot culture management, this typical case of Meishan Agricultural Bank is designed. Starting from the practical problems in the first stage of the bank's network transformation, this paper tries to make a strategic discussion.
【學(xué)位授予單位】：云南師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.33

【參考文獻】

相關(guān)期刊論文 前10條

1 方秀麗;;我國商業(yè)銀行網(wǎng)點轉(zhuǎn)型之對策思考[J];財會月刊;2010年23期

2 鐘鼎禮;;對基層國有商業(yè)銀行網(wǎng)點轉(zhuǎn)型的思考[J];當代經(jīng)濟;2008年08期

3 代星軍;;對國內(nèi)商業(yè)銀行網(wǎng)點轉(zhuǎn)型的幾點思考[J];東岳論叢;2009年05期

4 余淑英;;論我國商業(yè)銀行網(wǎng)點的戰(zhàn)略轉(zhuǎn)型[J];福建金融;2007年08期

5 倪小波;;淺析商業(yè)銀行網(wǎng)點的規(guī)劃和建設(shè)[J];經(jīng)營管理者;2009年06期

6 陳飛;鄧裕林;;淺談網(wǎng)點業(yè)務(wù)經(jīng)營轉(zhuǎn)型存在的問題及對策[J];貴州農(nóng)村金融;2009年12期

7 陳中新;;中國商業(yè)銀行零售網(wǎng)點轉(zhuǎn)型探析[J];河北學(xué)刊;2011年02期

8 應(yīng)肖萍;;淺析商業(yè)銀行如何實現(xiàn)網(wǎng)點轉(zhuǎn)型[J];經(jīng)濟師;2011年01期

9 侯保生;劉艷紅;許劍波;樊飛舟;張啟來;;論銀行網(wǎng)點的戰(zhàn)略轉(zhuǎn)型[J];金融理論與實踐;2009年07期

10 楊華;;商業(yè)銀行營業(yè)網(wǎng)點競爭力影響因素研究[J];金融理論與實踐;2010年07期

本文編號：2132780