浦发银行沈阳分行网点选址影响因素的调研报告

发布时间：2018-03-26 10:52

本文选题：浦发银行沈阳分行　切入点：布局现状　出处：《辽宁大学》2013年硕士论文

【摘要】：银行营业网点是银行赖以生存和发展的基础，尽管现在商业银行的销售渠道变的如此多样化，但是通过其营业网点进行的销售仍然是成功率最高的渠道，营业网点仍是商业银行进行融资的主体，是其进行市场竞争的主要手段。我国商业银行在银行选址问题上存在诸多问题，银行在进行网点设置时仍没有建立一套完整的网点布局评估机制，，在很多情况下，银行打算在银行网点空白区域设置网点时，往往缺少科学的方法和实地调查研究，而采取领导“拍脑袋”的方式，这样的决策方法往往带来严重的后果，尽管我国商业银行较外资银行而言在网点数量上具有比较明显的优势，但是并没有将数量优势转变为竞争优势。商业银行网点的选址与布局对银行的未来发展起到至关重要的作用，其营业网点的设置要以银行的自身发展战略和地区的特征作为依据，不能仅仅凭借直觉和经验来进行，要对银行选址策略进行系统的规划，进而“选择合适的地方”。商业银行在设置新的机构时首先要清醒的认识到自身的市场定位，清晰的未来发展战略规划，然后根据商业可持续和集约化经营原则，按照自己的发展战略规划进行营业网点的布局，进而实现资源的优化配置。本文主要采用实地调研与发放调查问卷相结合的方法，研究浦发银行沈阳分行网点选址方面的优势与不足，选取了和平支行、五爱支行、泰山支行和兴工支行等几家支行网点进行分析，主要从地理环境因素方面、人文经济因素方面、网点竞争因素方面、网点经营环境等进行分析研究，并在所研究的四个网点及网点附近进行问卷调查，通过实地调研和问卷调查的结果，对浦发银行沈阳分行现存网点的选址情况进行调查了解，分析其在网点设置方面的优势与不足，最后对浦发银行沈阳分行在进行网点设置方面提出一些合理化建议。
[Abstract]:Bank outlets are the basis for the survival and development of banks. Although the distribution channels of commercial banks have become so diversified, sales through their business outlets are still the most successful channels. Business network is still the main body of financing for commercial banks and the main means of market competition. There are many problems in the bank location of commercial banks in our country. In many cases, when banks plan to set up outlets in blank areas, they often lack scientific methods and field investigations. Such a decision-making approach often has serious consequences, even though our commercial banks have an obvious advantage over foreign banks in terms of the number of outlets. But did not turn the quantity advantage into the competitive advantage. The location and layout of commercial bank network plays a vital role in the future development of the bank. The establishment of its business network should be based on the development strategy of the bank itself and the characteristics of the region, and cannot be carried out only by intuition and experience. The bank location strategy should be systematically planned, and then the appropriate place should be chosen. When setting up new institutions, commercial banks should first be aware of their market positioning, clear strategic planning for future development, and then according to the principles of business sustainability and intensive management, According to their own development strategy planning, the distribution of business outlets is carried out, and then the optimal allocation of resources is realized. This paper mainly adopts the method of combining field research with the distribution of questionnaires. This paper studies the advantages and disadvantages in the location of Shenyang branch of Pudong Development Bank, and selects several branches, such as Peace Branch, Wuai Branch, Taishan Branch and Xinggong Branch, to analyze them, mainly from the aspects of geographical and environmental factors. In the aspect of humanistic economic factors, network competition factors, network operating environment and so on, we conducted a questionnaire survey at and near the four sites studied, and through the field investigation and the results of the questionnaire, This paper investigates the location of the existing branches of Shanghai Development Bank Shenyang Branch, analyzes its advantages and disadvantages in the establishment of branches, and finally puts forward some reasonable suggestions on the establishment of branches in Shenyang Branch of Shanghai Development Bank.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

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