本文關(guān)鍵詞：商業(yè)銀行對(duì)公營(yíng)業(yè)網(wǎng)點(diǎn)轉(zhuǎn)型研究　出處：《昆明理工大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 商業(yè)銀行 對(duì)公業(yè)務(wù) 網(wǎng)點(diǎn)轉(zhuǎn)型

【摘要】：隨著我國(guó)金融市場(chǎng)的開放,金融環(huán)境和社會(huì)技術(shù)發(fā)生了深刻的變化,商業(yè)銀行目前面臨的重重挑戰(zhàn)有逐漸加劇之勢(shì)。為了從容應(yīng)對(duì)銀行業(yè)內(nèi)、外部挑戰(zhàn),在同業(yè)競(jìng)爭(zhēng)中搶占一席之地,近年來,越來越多的銀行已逐漸改變經(jīng)營(yíng)思路,將主攻目標(biāo)放到了對(duì)公金融市場(chǎng),就網(wǎng)點(diǎn)對(duì)公業(yè)務(wù)這一重點(diǎn)業(yè)務(wù)板塊進(jìn)行了各種努力和嘗試。而營(yíng)業(yè)網(wǎng)點(diǎn)作為發(fā)展金融業(yè)務(wù)的主戰(zhàn)場(chǎng)和主渠道,如何有效發(fā)揮其作用引起了各商業(yè)銀行的極大關(guān)注,對(duì)公業(yè)務(wù)因其高附加值等一系列優(yōu)勢(shì)成為了現(xiàn)代商業(yè)銀行對(duì)公營(yíng)業(yè)網(wǎng)點(diǎn)轉(zhuǎn)型關(guān)注的焦點(diǎn)。對(duì)公營(yíng)業(yè)網(wǎng)點(diǎn)轉(zhuǎn)型是一次以提升網(wǎng)點(diǎn)綜合效能為目的的變革過程。要有效開展網(wǎng)點(diǎn)轉(zhuǎn)型,提升網(wǎng)點(diǎn)效能,有必要就銀行對(duì)公網(wǎng)點(diǎn)流程進(jìn)行一次徹底的再思考、再設(shè)計(jì),使對(duì)公營(yíng)業(yè)網(wǎng)點(diǎn)由核算型向服務(wù)營(yíng)銷型、效益創(chuàng)造型轉(zhuǎn)變。通過提高對(duì)公柜面營(yíng)銷和信息收集,提升對(duì)公前臺(tái)柜員價(jià)值貢獻(xiàn)度、服務(wù)水平及客戶滿意度,提升網(wǎng)點(diǎn)綜合效能,從而推動(dòng)對(duì)公網(wǎng)點(diǎn)全面轉(zhuǎn)型。 論文試圖就目前商業(yè)銀行對(duì)公營(yíng)業(yè)網(wǎng)點(diǎn)轉(zhuǎn)型流程現(xiàn)狀進(jìn)行深入剖析,并結(jié)合C銀行較為成熟的對(duì)公營(yíng)業(yè)網(wǎng)點(diǎn)轉(zhuǎn)型流程模式,就銀行對(duì)公營(yíng)業(yè)網(wǎng)點(diǎn)轉(zhuǎn)型進(jìn)行研究,以期對(duì)我國(guó)商業(yè)銀行的對(duì)公營(yíng)業(yè)網(wǎng)點(diǎn)轉(zhuǎn)型提供借鑒和參考。本論文理論分析和案例分析相結(jié)合,將戰(zhàn)略管理、渠道管理理論同國(guó)內(nèi)外銀行網(wǎng)點(diǎn)轉(zhuǎn)型模式結(jié)合起來,并引入C銀行案例進(jìn)行分析,得出商業(yè)銀行對(duì)公營(yíng)業(yè)網(wǎng)點(diǎn)轉(zhuǎn)型的基本模式。同時(shí),將國(guó)內(nèi)外商業(yè)銀行對(duì)公營(yíng)業(yè)網(wǎng)點(diǎn)與同業(yè)相比較,分析優(yōu)劣勢(shì),總結(jié)國(guó)內(nèi)外成功的對(duì)公營(yíng)業(yè)網(wǎng)點(diǎn)轉(zhuǎn)型的經(jīng)驗(yàn),探索更加適合商業(yè)銀行對(duì)公網(wǎng)點(diǎn)轉(zhuǎn)型的流程改造思路及策略。本文主要工作在于就銀行對(duì)公營(yíng)業(yè)網(wǎng)點(diǎn)轉(zhuǎn)型的實(shí)施步驟進(jìn)行了一般性的提煉和闡述,具有普適性；結(jié)合C銀行案例提出了具體措施及與之配套的支撐體系,具有可操作性。 本文具體內(nèi)容如下：首先介紹商業(yè)銀行對(duì)公營(yíng)業(yè)網(wǎng)點(diǎn)現(xiàn)狀及存在問題,闡述了對(duì)公營(yíng)業(yè)網(wǎng)點(diǎn)轉(zhuǎn)型的必要性,對(duì)商業(yè)銀行實(shí)施對(duì)公網(wǎng)點(diǎn)轉(zhuǎn)型的理論依據(jù)進(jìn)行了簡(jiǎn)要介紹。然后,通過對(duì)國(guó)外商業(yè)銀行在轉(zhuǎn)型方面的成功模式和成熟經(jīng)驗(yàn)進(jìn)行梳理分析,提出商業(yè)銀行對(duì)公營(yíng)業(yè)網(wǎng)點(diǎn)轉(zhuǎn)型的基本策略。接著,提出對(duì)公網(wǎng)點(diǎn)轉(zhuǎn)型的總體思路。最后,結(jié)合C銀行對(duì)公網(wǎng)點(diǎn)轉(zhuǎn)型實(shí)際,引入企業(yè)管理中的SWOT分析矩陣作為理論支撐,對(duì)C銀行對(duì)公網(wǎng)點(diǎn)轉(zhuǎn)型進(jìn)行了分析和再設(shè)計(jì),總結(jié)出了C銀行對(duì)公網(wǎng)點(diǎn)轉(zhuǎn)型中,從物理建設(shè)規(guī)劃、業(yè)務(wù)流程到考核支撐機(jī)制的對(duì)公網(wǎng)點(diǎn)轉(zhuǎn)型評(píng)價(jià)標(biāo)準(zhǔn)。 本文分析認(rèn)為：對(duì)公營(yíng)業(yè)網(wǎng)點(diǎn)轉(zhuǎn)型應(yīng)把傳統(tǒng)意義上的簡(jiǎn)單交易型網(wǎng)點(diǎn),逐步轉(zhuǎn)型成為銷售服務(wù)型網(wǎng)點(diǎn),完善對(duì)全功能型網(wǎng)點(diǎn)的定義,最終實(shí)現(xiàn)擁有各行特色的差異化服務(wù)模式。一是促使對(duì)公營(yíng)業(yè)網(wǎng)點(diǎn)從以管轄行為中心逐步轉(zhuǎn)型為以客戶為中心,提升網(wǎng)點(diǎn)自身的市場(chǎng)需求敏感度,更加重視豐富產(chǎn)品功能并提升服務(wù)品質(zhì)；二是促使對(duì)公營(yíng)業(yè)網(wǎng)點(diǎn)從外延輻散式發(fā)展逐步轉(zhuǎn)型為以提升效能為主線,實(shí)現(xiàn)資產(chǎn)、負(fù)債業(yè)務(wù)結(jié)構(gòu)的合理化及動(dòng)態(tài)平衡：三是促使對(duì)公營(yíng)業(yè)網(wǎng)點(diǎn)由過去分散的經(jīng)營(yíng)管理模式逐步轉(zhuǎn)型為一點(diǎn)激活,全程響應(yīng)的直管式管理模式,扁平化管理、集約化經(jīng)營(yíng)。
[Abstract]:With the opening of financial market in our country , financial environment and social technology have changed deeply , commercial banks are facing serious challenges . In recent years , more and more banks have gradually changed their management ideas . This paper tries to analyze the current situation of the transformation process of the commercial banks in China , and combine with the mature model of the transformation process of the Bank ' s business network , so as to provide reference and reference for the transformation of the public outlets of the commercial banks . The paper analyzes the advantages and disadvantages of the transformation of the public outlets at home and abroad . This paper first introduces the present situation and existing problems of the commercial banks to the public outlets , expounds the necessity of the transformation of the public outlets and gives a brief introduction to the theoretical basis of the transformation of the public outlets of commercial banks . Finally , through the analysis and redesign of the transformation of the public outlets of the commercial banks , this paper analyzes and redesigns the transformation of the public outlets of the C - bank , and summarizes the transformation evaluation standards of the C - bank in the transformation of the public network , from the physical construction planning , the business process to the assessment support mechanism . In this paper , it is concluded that the transformation of public outlets should transform the traditional simple transaction network into a sales service network , perfect the definition of the full function network , and finally realize the differentiated service mode with different characteristics . One is to promote the transformation of the public outlets from the central to the customer as the center , to improve the market demand sensitivity of the network points themselves , to improve the rationalization and dynamic balance of the assets and liabilities business structure .

【學(xué)位授予單位】：昆明理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.33

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 周素彥;;美國(guó)銀行業(yè)業(yè)務(wù)創(chuàng)新對(duì)我國(guó)銀行業(yè)的借鑒[J];商業(yè)研究;2006年10期

2 李春瑜;于振亭;;構(gòu)筑以關(guān)鍵效績(jī)指標(biāo)(KPI)為核心的戰(zhàn)略預(yù)算模式[J];財(cái)會(huì)通訊;2006年01期

3 姜文瑞;王冬梅;;國(guó)有商業(yè)銀行會(huì)計(jì)業(yè)務(wù)流程再造的現(xiàn)實(shí)思考[J];金融論壇;2006年07期

4 張獻(xiàn)和,劉杰斌;我國(guó)商業(yè)銀行的組織結(jié)構(gòu)與流程的再造[J];東北大學(xué)學(xué)報(bào)(社會(huì)科學(xué)版);2005年02期

5 代星軍;;對(duì)國(guó)內(nèi)商業(yè)銀行網(wǎng)點(diǎn)轉(zhuǎn)型的幾點(diǎn)思考[J];東岳論叢;2009年05期

6 嚴(yán)曉春;;商業(yè)銀行對(duì)公業(yè)務(wù)轉(zhuǎn)型與發(fā)展小企業(yè)業(yè)務(wù)的思考[J];福建金融;2008年05期

7 程剛;;關(guān)于網(wǎng)點(diǎn)轉(zhuǎn)型的思考和探析[J];湖北農(nóng)村金融研究;2010年12期

8 陳華;;基于新網(wǎng)點(diǎn)主義的商業(yè)銀行網(wǎng)點(diǎn)轉(zhuǎn)型思考[J];金融理論與實(shí)踐;2012年02期

9 朱芳;張進(jìn);;如何推進(jìn)網(wǎng)點(diǎn)經(jīng)營(yíng)轉(zhuǎn)型[J];現(xiàn)代金融;2008年07期

10 趙苗;;關(guān)于商業(yè)銀行網(wǎng)點(diǎn)轉(zhuǎn)型的探索[J];現(xiàn)代金融;2009年03期

，

本文編號(hào)：1429592