發(fā)布時間：2018-04-10 05:41

  本文選題：中信銀行　切入點：零售業(yè)務　出處：《浙江工業(yè)大學》2014年碩士論文

【摘要】：中國零售銀行業(yè)在過去的十年中經(jīng)歷了飛速的發(fā)展。從2000年到2010年,零售存款和貸款規(guī)模分別增長了4.5倍和17倍,并且仍在快速提高。預計到2020年,行業(yè)總收入將達到1.5萬億人民幣,約為2011年的近兩倍,躍居僅次于美國的零售銀行市場。2020年中國的零售銀行業(yè)將真正步入成熟期,在這一過程中,市場的驚人發(fā)展帶給各商業(yè)銀行的機遇和挑戰(zhàn)都是巨大的,在此過程中,銀行將不得不更加關注其零售業(yè)務本身的盈利能力,以及從思考”在何處競爭”轉移到思考“如何差異化競爭”。商業(yè)銀行進行網(wǎng)點零售業(yè)務轉型勢在必行。在此大背景下,中信銀行從2012年起全行實施網(wǎng)點零售業(yè)務銷售化轉型項目,旨在通過幾年努力,改變營業(yè)網(wǎng)點業(yè)務模式和管理模式,變交易中心為營銷中心,將交易銀行轉型為流程型銀行,提升零售業(yè)務在銀行業(yè)務的比重,提升零售產(chǎn)能。本文以中信銀行杭州分行網(wǎng)點為研究對象,介紹了研究背景、研究意義和研究方法,闡述了相關理論,為研究中信銀行杭州分行網(wǎng)點零售業(yè)務轉型奠定理論基礎；從外部環(huán)境和內部驅動力分析了中信銀行杭州分行網(wǎng)點零售業(yè)務轉型的必要性；詳細分析了網(wǎng)點轉型工作存在的主要問題及原因；在此基礎上,運用業(yè)務流程重組理論、銀行網(wǎng)點轉型理論及績效管理的基本原理,提出了網(wǎng)點轉型的實踐措施,并對中信銀行杭州分行網(wǎng)點零售業(yè)務轉型的實施效果做了說明,實踐證明,轉型效果良好,最后總結了研究成果和不足之處。
[Abstract]:China's retail banking industry has experienced rapid development in the past decade.Retail deposits and loans grew 4.5 and 17 times respectively between 2000 and 2010, and are still rising rapidly.By 2020, the industry's total revenue is expected to reach 1.5 trillion yuan, nearly double that of 2011, ranking second only to the United States' retail banking market. In 2020, China's retail banking industry will truly enter a mature period, and in the process,The tremendous development of the market has brought enormous opportunities and challenges to commercial banks. In the process, banks will have to pay more attention to the profitability of their retail businesses.And from thinking about "where to compete" to thinking about "how to differentiate competition".It is imperative for commercial banks to transform their retail business.Against this background, CITIC Bank has been implementing the retail sales transformation project since 2012, with the aim of changing the business model and management model of the network into a marketing center through several years of efforts.Transform the transaction bank into a process bank, increase the proportion of retail business in banking business and increase retail capacity.This paper takes the Hangzhou branch of CITIC Bank as the research object, introduces the research background, research significance and research methods, expounds the relevant theories, and lays a theoretical foundation for the study of the transformation of the retail business of CITIC Bank Hangzhou Branch.This paper analyzes the necessity of retail business transformation in Hangzhou branch of CITIC Bank from the external environment and internal driving force, analyzes in detail the main problems and reasons existing in the transformation of network, and on this basis, applies the theory of business process reengineering.The theory of bank network transformation and the basic principle of performance management are put forward, the practical measures of network transformation are put forward, and the effect of retail business transformation in Hangzhou branch of CITIC Bank is explained. The practice proves that the transformation effect is good.Finally, the research results and shortcomings are summarized.
【學位授予單位】：浙江工業(yè)大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.2

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本文編號：1729938