本文選題：網(wǎng)點(diǎn)擴(kuò)建　切入點(diǎn)：阜新銀行　出處：《遼寧工程技術(shù)大學(xué)》2017年碩士論文

【摘要】：近幾年,經(jīng)濟(jì)的快速發(fā)展和居民收入的快速提升,金融市場(chǎng)迅速壯大,阜新銀行作為深耕“穩(wěn)中求進(jìn),提質(zhì)增效”的金融機(jī)構(gòu),在過(guò)去幾年經(jīng)營(yíng)效益有了明顯的改善。但隨著利率市場(chǎng)化進(jìn)程加快、互聯(lián)網(wǎng)金融迅速興起、金融脫媒愈演愈烈、金融創(chuàng)新與日俱增,銀行業(yè)競(jìng)爭(zhēng)日趨白熱化。加之銀行產(chǎn)品日益同質(zhì)化,網(wǎng)點(diǎn)運(yùn)營(yíng)、服務(wù)與營(yíng)銷逐步成為競(jìng)爭(zhēng)的關(guān)鍵,銀行網(wǎng)點(diǎn)成為了商業(yè)銀行的重要戰(zhàn)場(chǎng)。在這一背景下,阜新銀行擴(kuò)建的重要性更為凸顯:一是以往“跑馬圈地”的網(wǎng)點(diǎn)擴(kuò)建模式已不可持續(xù);二是客戶的日漸成熟倒逼其網(wǎng)點(diǎn)升級(jí)改造;三是自身的業(yè)務(wù)經(jīng)營(yíng)轉(zhuǎn)型客觀要求網(wǎng)點(diǎn)升級(jí)改造。因此。阜新銀行的網(wǎng)點(diǎn)擴(kuò)建既是順應(yīng)行業(yè)發(fā)展的趨勢(shì),也是自身發(fā)展的要求。應(yīng)當(dāng)通過(guò)優(yōu)化營(yíng)業(yè)網(wǎng)點(diǎn)的布局,合理設(shè)計(jì)網(wǎng)點(diǎn)功能分區(qū),改變網(wǎng)點(diǎn)的營(yíng)銷服務(wù)流程,提升網(wǎng)點(diǎn)營(yíng)銷服務(wù)能力,構(gòu)建起以網(wǎng)點(diǎn)作為基礎(chǔ)的銀行零售業(yè)務(wù)發(fā)展體系,實(shí)現(xiàn)業(yè)務(wù)功能由核算交易主導(dǎo)型向營(yíng)銷服務(wù)主導(dǎo)型進(jìn)行轉(zhuǎn)變。本文主要針對(duì)阜新銀行網(wǎng)點(diǎn)擴(kuò)建項(xiàng)目可行性進(jìn)行研究。首先,分析阜新銀行網(wǎng)點(diǎn)升級(jí)改造項(xiàng)目背景、意義及內(nèi)容、進(jìn)度與標(biāo)準(zhǔn)為可行性研究提供基本路徑;然后,在歸納和整理了項(xiàng)目可行性研究相關(guān)理論與方法的基礎(chǔ)上,結(jié)合阜新銀行擴(kuò)建項(xiàng)目的實(shí)際情況,構(gòu)建阜新銀行擴(kuò)建項(xiàng)目ARIMA模型,并從項(xiàng)目?jī)?nèi)、外市場(chǎng)環(huán)境通過(guò)ARIMA預(yù)測(cè)與修正的戈德史密斯金融融量模型對(duì)項(xiàng)目市場(chǎng)可行性進(jìn)行分析;緊接著還對(duì)項(xiàng)目實(shí)施方案進(jìn)行了分析;使用市場(chǎng)分析法和財(cái)務(wù)分析法進(jìn)行財(cái)務(wù)可行性分析;最后還通過(guò)不確定分析法進(jìn)行項(xiàng)目風(fēng)險(xiǎn)評(píng)估分析,力圖阜新銀行升級(jí)改造實(shí)現(xiàn)成本縮減、投資回報(bào)與客戶的滿意度提升提供參考依據(jù)。
[Abstract]:In recent years, with the rapid development of economy and the rapid improvement of residents' income, the financial market has grown rapidly. As a financial institution, Fuxin Bank, as a deep ploughing "seeking steady progress, raising quality and increasing efficiency", has obviously improved its operating efficiency in the past few years.However, with the acceleration of interest rate marketization process, the rapid rise of Internet finance, financial disintermediation intensified, financial innovation is increasing, banking competition is becoming more and more intense.With the increasing homogeneity of bank products, network operation, service and marketing gradually become the key to competition, bank network has become an important battlefield for commercial banks.Under this background, the importance of Fuxin Bank's expansion is more prominent: first, the network expansion mode of "running horse circles" has been unsustainable; second, the growing maturity of customers has forced their network upgrading and transformation;Third, their own business transformation objective requirements for network upgrading.So...The network expansion of Fuxin Bank is not only the trend of industry development, but also the requirement of its own development.We should optimize the layout of business network, reasonably design the functional partition of the network, change the marketing service flow of the network, enhance the marketing service ability of the network, and build up the development system of the retail business of the bank based on the network.The realization of business functions from accounting transaction-oriented to marketing-oriented service-oriented transformation.This paper mainly aimed at Fuxin bank network expansion project feasibility study.Firstly, it analyzes the background, significance and content, progress and standard of Fuxin Bank's network upgrading project, and provides the basic path for feasibility study. Then, on the basis of summarizing and sorting out the relevant theories and methods of project feasibility study,Combined with the actual situation of Fuxin Bank extension project, the ARIMA model of Fuxin Bank extension project is constructed, and the feasibility of the project market is analyzed through the ARIMA prediction and revision of Goldsmith financial finance quantity model inside and outside the project.Then, the project implementation scheme is analyzed; the financial feasibility analysis is carried out by using market analysis and financial analysis; finally, the project risk assessment analysis is carried out through uncertainty analysis.This paper tries to provide reference for Fuxin Bank to realize cost reduction, investment return and customer satisfaction.
【學(xué)位授予單位】：遼寧工程技術(shù)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F426.92;F832.33

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