本文選題：浦發(fā)銀行沈陽分行　切入點：布局現(xiàn)狀　出處：《遼寧大學(xué)》2013年碩士論文

【摘要】：銀行營業(yè)網(wǎng)點是銀行賴以生存和發(fā)展的基礎(chǔ)，盡管現(xiàn)在商業(yè)銀行的銷售渠道變的如此多樣化，但是通過其營業(yè)網(wǎng)點進行的銷售仍然是成功率最高的渠道，營業(yè)網(wǎng)點仍是商業(yè)銀行進行融資的主體，是其進行市場競爭的主要手段。我國商業(yè)銀行在銀行選址問題上存在諸多問題，銀行在進行網(wǎng)點設(shè)置時仍沒有建立一套完整的網(wǎng)點布局評估機制，，在很多情況下，銀行打算在銀行網(wǎng)點空白區(qū)域設(shè)置網(wǎng)點時，往往缺少科學(xué)的方法和實地調(diào)查研究，而采取領(lǐng)導(dǎo)“拍腦袋”的方式，這樣的決策方法往往帶來嚴(yán)重的后果，盡管我國商業(yè)銀行較外資銀行而言在網(wǎng)點數(shù)量上具有比較明顯的優(yōu)勢，但是并沒有將數(shù)量優(yōu)勢轉(zhuǎn)變?yōu)楦偁巸?yōu)勢。 商業(yè)銀行網(wǎng)點的選址與布局對銀行的未來發(fā)展起到至關(guān)重要的作用，其營業(yè)網(wǎng)點的設(shè)置要以銀行的自身發(fā)展戰(zhàn)略和地區(qū)的特征作為依據(jù)，不能僅僅憑借直覺和經(jīng)驗來進行，要對銀行選址策略進行系統(tǒng)的規(guī)劃，進而“選擇合適的地方”。 商業(yè)銀行在設(shè)置新的機構(gòu)時首先要清醒的認(rèn)識到自身的市場定位，清晰的未來發(fā)展戰(zhàn)略規(guī)劃，然后根據(jù)商業(yè)可持續(xù)和集約化經(jīng)營原則，按照自己的發(fā)展戰(zhàn)略規(guī)劃進行營業(yè)網(wǎng)點的布局，進而實現(xiàn)資源的優(yōu)化配置。本文主要采用實地調(diào)研與發(fā)放調(diào)查問卷相結(jié)合的方法，研究浦發(fā)銀行沈陽分行網(wǎng)點選址方面的優(yōu)勢與不足，選取了和平支行、五愛支行、泰山支行和興工支行等幾家支行網(wǎng)點進行分析，主要從地理環(huán)境因素方面、人文經(jīng)濟因素方面、網(wǎng)點競爭因素方面、網(wǎng)點經(jīng)營環(huán)境等進行分析研究，并在所研究的四個網(wǎng)點及網(wǎng)點附近進行問卷調(diào)查，通過實地調(diào)研和問卷調(diào)查的結(jié)果，對浦發(fā)銀行沈陽分行現(xiàn)存網(wǎng)點的選址情況進行調(diào)查了解，分析其在網(wǎng)點設(shè)置方面的優(yōu)勢與不足，最后對浦發(fā)銀行沈陽分行在進行網(wǎng)點設(shè)置方面提出一些合理化建議。
[Abstract]:Bank outlets are the basis for the survival and development of banks. Although the distribution channels of commercial banks have become so diversified, sales through their business outlets are still the most successful channels. Business network is still the main body of financing for commercial banks and the main means of market competition. There are many problems in the bank location of commercial banks in our country. In many cases, when banks plan to set up outlets in blank areas, they often lack scientific methods and field investigations. Such a decision-making approach often has serious consequences, even though our commercial banks have an obvious advantage over foreign banks in terms of the number of outlets. But did not turn the quantity advantage into the competitive advantage. The location and layout of commercial bank network plays a vital role in the future development of the bank. The establishment of its business network should be based on the development strategy of the bank itself and the characteristics of the region, and cannot be carried out only by intuition and experience. The bank location strategy should be systematically planned, and then the appropriate place should be chosen. When setting up new institutions, commercial banks should first be aware of their market positioning, clear strategic planning for future development, and then according to the principles of business sustainability and intensive management, According to their own development strategy planning, the distribution of business outlets is carried out, and then the optimal allocation of resources is realized. This paper mainly adopts the method of combining field research with the distribution of questionnaires. This paper studies the advantages and disadvantages in the location of Shenyang branch of Pudong Development Bank, and selects several branches, such as Peace Branch, Wuai Branch, Taishan Branch and Xinggong Branch, to analyze them, mainly from the aspects of geographical and environmental factors. In the aspect of humanistic economic factors, network competition factors, network operating environment and so on, we conducted a questionnaire survey at and near the four sites studied, and through the field investigation and the results of the questionnaire, This paper investigates the location of the existing branches of Shanghai Development Bank Shenyang Branch, analyzes its advantages and disadvantages in the establishment of branches, and finally puts forward some reasonable suggestions on the establishment of branches in Shenyang Branch of Shanghai Development Bank.
【學(xué)位授予單位】：遼寧大學(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 周焱榮;;銀行優(yōu)化網(wǎng)點網(wǎng)絡(luò)布局方法初探[J];河北金融;2008年06期

2 李小建;;金融地理學(xué)理論視角及中國金融地理研究[J];經(jīng)濟地理;2006年05期

3 李丹,任義權(quán),董長春;從營銷角度看服務(wù)型企業(yè)選址[J];經(jīng)濟論壇;2005年04期

4 許長新;李政;;基于都市圈空間成長的金融地理圈研究[J];金融理論與實踐;2007年06期

5 葉蓓;;層次分析法在自助銀行網(wǎng)點選址中的應(yīng)用[J];科技信息(學(xué)術(shù)研究);2006年07期

6 ;農(nóng)業(yè)銀行機構(gòu)網(wǎng)點布局問題研究[J];中國農(nóng)業(yè)銀行武漢管理干部學(xué)院學(xué)報;1999年03期

7 曹穎;;產(chǎn)業(yè)布局對城市發(fā)展影響的理論分析[J];理論月刊;2006年03期

8 張曉明;銀行網(wǎng)點地址優(yōu)選法[J];農(nóng)村金融研究;2001年02期

9 葉磊 ,韓冬 ,向科;銀行分支機構(gòu)選址模型分析[J];農(nóng)村金融研究;2005年10期

10 李慶萍;;商業(yè)銀行營業(yè)網(wǎng)點轉(zhuǎn)型研究[J];農(nóng)村金融研究;2010年01期

本文編號：1667590