阜新银行扩建工程项目可行性研究

发布时间：2018-04-03 19:25

本文选题：网点扩建　切入点：阜新银行　出处：《辽宁工程技术大学》2017年硕士论文

【摘要】：近几年,经济的快速发展和居民收入的快速提升,金融市场迅速壮大,阜新银行作为深耕“稳中求进,提质增效”的金融机构,在过去几年经营效益有了明显的改善。但随着利率市场化进程加快、互联网金融迅速兴起、金融脱媒愈演愈烈、金融创新与日俱增,银行业竞争日趋白热化。加之银行产品日益同质化,网点运营、服务与营销逐步成为竞争的关键,银行网点成为了商业银行的重要战场。在这一背景下,阜新银行扩建的重要性更为凸显:一是以往“跑马圈地”的网点扩建模式已不可持续;二是客户的日渐成熟倒逼其网点升级改造;三是自身的业务经营转型客观要求网点升级改造。因此。阜新银行的网点扩建既是顺应行业发展的趋势,也是自身发展的要求。应当通过优化营业网点的布局,合理设计网点功能分区,改变网点的营销服务流程,提升网点营销服务能力,构建起以网点作为基础的银行零售业务发展体系,实现业务功能由核算交易主导型向营销服务主导型进行转变。本文主要针对阜新银行网点扩建项目可行性进行研究。首先,分析阜新银行网点升级改造项目背景、意义及内容、进度与标准为可行性研究提供基本路径;然后,在归纳和整理了项目可行性研究相关理论与方法的基础上,结合阜新银行扩建项目的实际情况,构建阜新银行扩建项目ARIMA模型,并从项目内、外市场环境通过ARIMA预测与修正的戈德史密斯金融融量模型对项目市场可行性进行分析;紧接着还对项目实施方案进行了分析;使用市场分析法和财务分析法进行财务可行性分析;最后还通过不确定分析法进行项目风险评估分析,力图阜新银行升级改造实现成本缩减、投资回报与客户的满意度提升提供参考依据。
[Abstract]:In recent years, with the rapid development of economy and the rapid improvement of residents' income, the financial market has grown rapidly. As a financial institution, Fuxin Bank, as a deep ploughing "seeking steady progress, raising quality and increasing efficiency", has obviously improved its operating efficiency in the past few years.However, with the acceleration of interest rate marketization process, the rapid rise of Internet finance, financial disintermediation intensified, financial innovation is increasing, banking competition is becoming more and more intense.With the increasing homogeneity of bank products, network operation, service and marketing gradually become the key to competition, bank network has become an important battlefield for commercial banks.Under this background, the importance of Fuxin Bank's expansion is more prominent: first, the network expansion mode of "running horse circles" has been unsustainable; second, the growing maturity of customers has forced their network upgrading and transformation;Third, their own business transformation objective requirements for network upgrading.So...The network expansion of Fuxin Bank is not only the trend of industry development, but also the requirement of its own development.We should optimize the layout of business network, reasonably design the functional partition of the network, change the marketing service flow of the network, enhance the marketing service ability of the network, and build up the development system of the retail business of the bank based on the network.The realization of business functions from accounting transaction-oriented to marketing-oriented service-oriented transformation.This paper mainly aimed at Fuxin bank network expansion project feasibility study.Firstly, it analyzes the background, significance and content, progress and standard of Fuxin Bank's network upgrading project, and provides the basic path for feasibility study. Then, on the basis of summarizing and sorting out the relevant theories and methods of project feasibility study,Combined with the actual situation of Fuxin Bank extension project, the ARIMA model of Fuxin Bank extension project is constructed, and the feasibility of the project market is analyzed through the ARIMA prediction and revision of Goldsmith financial finance quantity model inside and outside the project.Then, the project implementation scheme is analyzed; the financial feasibility analysis is carried out by using market analysis and financial analysis; finally, the project risk assessment analysis is carried out through uncertainty analysis.This paper tries to provide reference for Fuxin Bank to realize cost reduction, investment return and customer satisfaction.
【学位授予单位】：辽宁工程技术大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F426.92;F832.33

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