A银行吉林省分行网点核心竞争力提升对策研究

发布时间：2018-01-12 05:20

本文关键词：A银行吉林省分行网点核心竞争力提升对策研究　出处：《吉林大学》2013年硕士论文　论文类型：学位论文

【摘要】：随着国内金融市场的不断完善，银行业之间的竞争日益激烈，银行网点任务重、压力大，各岗位职责分工和协作流程存在的矛盾也日益激化。如何能够发挥银行网点的能动作用，促进网点业务全面发展，提升网点效能，进而提升银行网点核心竞争力，对银行网点的经营管理提出了更高要求。本文从商业银行网点核心竞争力的概念及影响因素入手，以国内某商业银行吉林省分行为例，将各种构成指标及影响因素予以量化，全面而准确地描绘网点核心竞争力现状，分析网点效能低下的成因，，通过借鉴富国银行和康美银行持续提升网点核心竞争力的先进经验提出对策建议。我们认为，短期内A银行吉林省分行可以把服务销售流程搭建为作为切入点，待各级机构达成共识后，循序渐进将网点效能提升工作推向深入。在不增加分支机构原有人员情况下，根据各网点业务量，通过岗位设计、销售能力提升的手段，最大限度挖掘网点销售过程中的潜能；不断完善网点内部资源配置，力求实现考核政策的连续性和合理性，有效提高网点的主动营销能力和客户维护能力。中期内A银行吉林省分行可以考虑从更深层次解决制约网点效能提升的关键问题，主要对策包括健全网点人力资源管理、建设安全便捷的服务渠道体系、建立客户关系管理体系、实施个人客户忠诚度计划和构建前沿产品线。
[Abstract]:With the continuous improvement of the domestic financial market, the competition between the banking industry is increasingly fierce, the task of the bank network is heavy, the pressure is great. The contradictions between the division of responsibilities and the cooperation process are also increasingly intensified. How to give play to the dynamic role of the bank network to promote the overall development of network business and enhance the effectiveness of the network. And then improve the core competitiveness of bank outlets, put forward higher requirements for the operation and management of bank outlets. This paper starts with the concept of the core competitiveness of commercial banks and the influencing factors. Taking a commercial bank in Jilin province as an example, this paper quantifies various components and influencing factors, comprehensively and accurately describes the current situation of the core competitiveness of the network, and analyzes the causes of the low efficiency of the network. By learning from the advanced experience of Wells Fargo Bank and Compaq Bank to continuously enhance the core competitiveness of the network, we believe that in the short term, Bank A Jilin Branch can set up the service sales process as a starting point. After the organizations at all levels reach a consensus, step by step will work to promote the effectiveness of the network to deepen. In the case of no increase in the original branch staff, according to the network business, through the post design. The means of improving the sales ability to maximize the potential of the sales process of the network; Constantly improve the distribution of resources within the network, and strive to achieve the continuity and rationality of the assessment policy. Effectively improve the network's active marketing capability and customer maintenance ability. In the medium term, Bank A Jilin Branch can consider to further solve the key issues restricting the effectiveness of the network. The main countermeasures include perfecting the network human resource management, constructing the safe and convenient service channel system, establishing the customer relationship management system, implementing the personal customer loyalty plan and constructing the frontier product line.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

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