發(fā)布時(shí)間：2018-06-26 03:24

  本文選題：商業(yè)銀行 + 零售業(yè)務(wù)　； 參考：《西南科技大學(xué)》2017年碩士論文

【摘要】：隨著全球化進(jìn)程的推進(jìn)和互聯(lián)網(wǎng)金融的快速崛起,商業(yè)銀行零售業(yè)務(wù)近年來得以快速發(fā)展,零售業(yè)務(wù)中間業(yè)務(wù)收入占比正在逐步攀升。面對(duì)經(jīng)營環(huán)境瞬息萬變的金融市場和互聯(lián)網(wǎng)金融的挑戰(zhàn),各家商業(yè)銀行著重打造零售銀行,已成為搶占市場份額的戰(zhàn)略重點(diǎn)。但在著力發(fā)展零售銀行業(yè)務(wù)中,歷史積弊嚴(yán)重阻礙了發(fā)展道路,因此,必須跟隨時(shí)代潮流研發(fā)新型金融產(chǎn)品、改進(jìn)服務(wù)模式、并逐步開始推行零售網(wǎng)點(diǎn)轉(zhuǎn)型。零售網(wǎng)點(diǎn)轉(zhuǎn)型基本經(jīng)歷兩個(gè)階段,第一階段基本集中于網(wǎng)點(diǎn)硬件升級(jí)改造及統(tǒng)一各網(wǎng)點(diǎn)服務(wù)標(biāo)準(zhǔn)上,包括網(wǎng)點(diǎn)布局、廳堂功能分區(qū)、客戶識(shí)別及分流等。第二階段網(wǎng)點(diǎn)轉(zhuǎn)型基本側(cè)重于軟服務(wù)進(jìn)一步升級(jí)和優(yōu)化。包括細(xì)分客戶、嚴(yán)格績效考核、重在提升網(wǎng)點(diǎn)產(chǎn)能及提升客戶的滿意度等。零售網(wǎng)點(diǎn)轉(zhuǎn)型是各商業(yè)銀行目前面臨的重要課題,是事關(guān)后續(xù)商業(yè)銀行發(fā)展的關(guān)鍵舉措。在當(dāng)前經(jīng)濟(jì)形勢下,傳統(tǒng)商業(yè)銀行需要結(jié)合各自實(shí)際情況及發(fā)展現(xiàn)狀,在零售網(wǎng)點(diǎn)轉(zhuǎn)型理論的指導(dǎo)下,通過順應(yīng)金融行業(yè)發(fā)展規(guī)律,提煉目前發(fā)展中存在的具體問題,高屋建瓴的提出轉(zhuǎn)型理念、有目的性的設(shè)計(jì)轉(zhuǎn)型方案并扎實(shí)推進(jìn),才能使商業(yè)銀行零售業(yè)務(wù)轉(zhuǎn)型落到實(shí)處,做出成效。本文首先對(duì)零售網(wǎng)點(diǎn)的轉(zhuǎn)型理論進(jìn)行了概括和綜述,對(duì)網(wǎng)點(diǎn)轉(zhuǎn)型背景、內(nèi)涵和必要性做了深入闡述,總結(jié)提煉了國內(nèi)外商業(yè)銀行零售網(wǎng)點(diǎn)轉(zhuǎn)型的成功經(jīng)驗(yàn),并對(duì)我國目前比較成功的互聯(lián)網(wǎng)金融案例進(jìn)行了詳細(xì)的介紹和分析。針對(duì)農(nóng)業(yè)銀行M分行零售網(wǎng)點(diǎn)轉(zhuǎn)型問題,文中運(yùn)用SWOT分析方法,總結(jié)了農(nóng)業(yè)銀行M分行發(fā)展中的優(yōu)勢、劣勢、機(jī)遇和挑戰(zhàn)。在分析目前經(jīng)營現(xiàn)狀的基礎(chǔ)上,針對(duì)存在的問題,有針對(duì)性的制定零售網(wǎng)點(diǎn)轉(zhuǎn)型方案,并對(duì)已經(jīng)實(shí)施轉(zhuǎn)型的網(wǎng)點(diǎn)進(jìn)行評(píng)價(jià),分析轉(zhuǎn)型效果,為后期持續(xù)推進(jìn)轉(zhuǎn)型提供數(shù)據(jù)支撐。本文以一個(gè)銀行從業(yè)十年的工作者視角,在分析當(dāng)前我國商業(yè)銀行面臨的問題及轉(zhuǎn)型必要性后,結(jié)合農(nóng)業(yè)銀行M分行零售網(wǎng)點(diǎn)轉(zhuǎn)型實(shí)踐,提出了切實(shí)可行的方案,并對(duì)轉(zhuǎn)型方案在現(xiàn)實(shí)中網(wǎng)點(diǎn)的實(shí)施效果進(jìn)行跟蹤評(píng)估,實(shí)現(xiàn)了理論分析和實(shí)證研究相結(jié)合。希望本文能夠?qū)ξ覈虡I(yè)銀行零售銀行業(yè)務(wù)轉(zhuǎn)型提供借鑒。
[Abstract]:With the advancement of globalization and the rapid rise of Internet finance, the retail business of commercial banks has developed rapidly in recent years. Facing the challenge of the rapidly changing financial market and Internet finance, commercial banks focus on building retail banks, which has become the strategic focus of market share. However, in the development of retail banking business, historical disadvantages seriously hinder the development of the road, so we must follow the trend of the times to develop new financial products, improve the service model, and gradually start to implement the transformation of retail outlets. The transformation of retail outlets basically goes through two stages. The first stage basically focuses on the upgrading of network hardware and the unification of service standards of various outlets, including network layout, hall function partition, customer identification and distribution, and so on. The second stage network transformation basically focuses on the further upgrading and optimization of soft services. Including customer segmentation, strict performance appraisal, focus on improving network capacity and customer satisfaction. Retail network transformation is an important issue facing commercial banks at present, and it is a key measure related to the subsequent development of commercial banks. In the current economic situation, the traditional commercial banks need to combine their actual situation and development situation, under the guidance of the retail network transformation theory, to refine the specific problems existing in the current development by complying with the development law of the financial industry. Hillhouse put forward the concept of transformation, a purposeful design and solid promotion of the transformation plan, in order to make the commercial bank retail business transformation into reality, to achieve results. In this paper, the transformation theory of retail network is summarized and summarized, the background, connotation and necessity of network transformation are expounded, and the successful experience of retail network transformation of commercial banks at home and abroad is summarized. And to our country at present quite successful Internet finance case has carried on the detailed introduction and the analysis. Aiming at the problem of retail network transformation of Agricultural Bank of China (ABC) M Branch, this paper summarizes the advantages, disadvantages, opportunities and challenges in the development of Agricultural Bank M Branch by using SWOT analysis method. On the basis of the analysis of the present operating situation, aiming at the existing problems, the paper formulates the plan of retail network transformation, evaluates the network that has already implemented the transformation, analyzes the effect of transformation, and provides data support for promoting the transformation in the later period. Based on the analysis of the current problems and the necessity of the transformation of commercial banks in China, this paper, from the perspective of a ten-year banking profession, puts forward a feasible scheme combining with the practice of the transformation of retail outlets in the M branch of Agricultural Bank of China. The implementation effect of the transformation scheme in reality is evaluated, and the combination of theoretical analysis and empirical research is realized. I hope this paper can be used for reference to the retail banking business transformation of commercial banks in China.
【學(xué)位授予單位】：西南科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.2

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