【摘要】：銀行營業(yè)網(wǎng)點(diǎn)是展示形象的窗口,是服務(wù)客戶的紐帶,是辦理業(yè)務(wù)的平臺,是營銷產(chǎn)品的渠道。從一定的意義上講,銀行網(wǎng)點(diǎn)的營運(yùn)模式、管理方式、業(yè)務(wù)功能、經(jīng)營活力、發(fā)展水平都決定和影響著它所屬企業(yè)的整體經(jīng)營和管理,營業(yè)網(wǎng)點(diǎn)的重要性不言而喻。隨著互聯(lián)網(wǎng)金融的發(fā)展,特別是我國當(dāng)下經(jīng)濟(jì)新常態(tài)的出現(xiàn),對銀行網(wǎng)點(diǎn)過去一些傳統(tǒng)的管理模式和方法形成了強(qiáng)烈的沖擊和挑戰(zhàn),要求傳統(tǒng)銀行積極應(yīng)對,做出刻不容緩的改革與創(chuàng)新,以提升網(wǎng)點(diǎn)整體盈利能力。南京的金融市場競爭較為激烈,而J銀行南京分行因?yàn)槌闪r間比較短,經(jīng)過幾年的發(fā)展,雖然銀行網(wǎng)點(diǎn)的投入比較大,但是網(wǎng)點(diǎn)在單產(chǎn)方面始終收效甚微。本文以J銀行南京分行網(wǎng)點(diǎn)管理現(xiàn)狀況作為研究對象,從網(wǎng)點(diǎn)的功能定位、網(wǎng)點(diǎn)的空間布局、軟硬件環(huán)境、服務(wù)效率等方面進(jìn)行了分析,對比南京同業(yè)網(wǎng)點(diǎn)管理情況,指出J銀行南京分行在網(wǎng)點(diǎn)管理中存在的問題:網(wǎng)點(diǎn)布局不夠合理、功能定位過于寬泛、軟硬件環(huán)境不夠完美、服務(wù)水平亟待提升等。針對這些問題,分析了導(dǎo)致問題的原因:網(wǎng)點(diǎn)選址缺乏科學(xué)規(guī)劃、網(wǎng)點(diǎn)功能定位期望過高、網(wǎng)點(diǎn)設(shè)計理念落后、人力資源配備不合理等。在此基礎(chǔ)上提出了解決這些問題的對策建議:開展頂層設(shè)計,重新劃分網(wǎng)點(diǎn)的類型;根據(jù)網(wǎng)點(diǎn)業(yè)務(wù)種類,調(diào)整內(nèi)設(shè)機(jī)構(gòu)和崗位;重塑網(wǎng)點(diǎn)環(huán)境,營造良好服務(wù)氛圍;針對不同類型的網(wǎng)點(diǎn),合理安排人員配置。希望通過對J銀行南京分行網(wǎng)點(diǎn)管理的優(yōu)化研究,為J銀行南京分行的業(yè)務(wù)轉(zhuǎn)型發(fā)展提供綿薄之力。本文的研究結(jié)論,對于提高國內(nèi)銀行,尤其是中小銀行的網(wǎng)點(diǎn)管理優(yōu)化工作具有一定指導(dǎo)意義和參考價值,以期為企業(yè)的發(fā)展形成助力。
[Abstract]:Bank outlets are a window for displaying image, a link for serving customers, a platform for dealing with business, and a channel for marketing products. In a certain sense, the operation mode, management mode, business function, business vitality and development level of the bank network all decide and influence the whole management and management of the enterprise to which it belongs, and the importance of the business network is self-evident. With the development of Internet finance, especially the emergence of the new normal of China's current economy, it has formed a strong impact and challenge to some traditional management models and methods in the past, which requires the traditional banks to respond positively. Make urgent reform and innovation, in order to enhance the overall profitability of the network. The financial market competition in Nanjing is more fierce, and the Nanjing branch of bank J has achieved little effect in unit production, although the investment of bank network is relatively large, because of the short time of its establishment and the development of several years. In this paper, the current situation of the network management of J Bank Nanjing Branch is taken as the research object. It analyzes the function orientation of the network, the spatial layout of the network, the environment of software and hardware, the service efficiency and so on, and compares the situation of the network management in Nanjing. This paper points out the problems existing in the branch management of J Bank Nanjing Branch: the distribution of branches is not reasonable, the function orientation is too broad, the environment of hardware and software is not perfect, and the service level needs to be improved urgently. In view of these problems, this paper analyzes the causes of these problems: the lack of scientific planning of site location, the high expectation of network function location, the backward concept of network design, the unreasonable allocation of human resources, etc. On this basis, the countermeasures and suggestions to solve these problems are put forward: carrying out the top-level design, reclassifying the type of network, adjusting the internal institutions and posts according to the type of network business, reshaping the network environment and creating a good service atmosphere; For different types of network, reasonable staffing arrangements. It is hoped that through the optimization of the network management of J Bank Nanjing Branch, this paper will provide a modest force for the business transformation and development of J Bank Nanjing Branch. The conclusion of this paper has certain guiding significance and reference value for improving the network management optimization of domestic banks, especially small and medium-sized banks, in order to help the development of enterprises.
【學(xué)位授予單位】：南京師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.33;F274

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