商业银行网点效能分析及改进策略研究

发布时间：2018-05-12 04:48

本文选题：商业银行网点 + 效率产能　；参考：《北京邮电大学》2013年硕士论文

【摘要】：随着我国金融政策的进一步开放,商业银行的竞争压力加剧,大型商业银行面临资源合理配置,提升网点利润率压力,中小型商业银行面临如何快速扩大服务辐射区域等主要问题。商业银行网点效率以及网点改进策略的研究对目前商业银行的优化网点布局,提升银行精细化管理水平具有很强的实用性,对银行营销策略的部署与实施也具有一定的参考价值。论文全文共分六章。第一章简要介绍了我国商业银行目前渠道建设的现状,通过对渠道面临的竞争压力以及挑战的分析,阐明了对商业银行网点效能分析及改进策略研究的重要意义。同时分析了该项研究在国内外发展的基本状况。第二章详细分析研究了商业银行网点效能指标体系的选取方法,最终选取包含了四个维度的六项指标作为网点效能评判的指标体系。第三章详细研究了基于指标体系的分群方法,并用30个样本数据进行了方案验证。第四章是根据第二、三章的研究结果选取了某商业银行某分行的861个实际营业网点数据进行网点效能分析的应用实践,来进一步阐明银行网点效能分析的方法及改进策略。第五章从分群的四类网点中分别提取了一个样本进行单样本案例分析,提出具体改进意见。第六章对商业银行网点效能的分析方法和改进策略进行了总结以及对外来的展望。
[Abstract]:With the further opening up of our country's financial policy, the competitive pressure of commercial banks intensifies, and large commercial banks are faced with the pressure of rational allocation of resources and enhancement of profit margins. Small and medium-sized commercial banks are faced with such major problems as how to rapidly expand the service radiation area. The research on the network efficiency and the improvement strategy of commercial banks has strong practicability for optimizing the distribution of commercial banks and improving the management level of commercial banks. Also has certain reference value to the bank marketing strategy deployment and the implementation. The thesis is divided into six chapters. The first chapter briefly introduces the current situation of channel construction in China's commercial banks. Through the analysis of the competitive pressure and challenges faced by the channel, it clarifies the significance of the research on the effectiveness analysis and improvement strategy of commercial banks. At the same time, the basic development of this research at home and abroad is analyzed. The second chapter analyzes the selection method of commercial bank network effectiveness index system in detail, and finally selects six indexes including four dimensions as the index system of network effectiveness evaluation. In chapter 3, the clustering method based on index system is studied in detail, and the scheme is verified with 30 sample data. The fourth chapter is based on the results of the second and third chapters of a commercial bank selected a branch of 861 actual business network data for network effectiveness analysis of the application practice to further clarify the bank network effectiveness analysis methods and improvement strategies. In the fifth chapter, one sample is extracted from the four kinds of nodes in the cluster to analyze the case of single sample, and the concrete suggestions for improvement are put forward. The sixth chapter summarizes the analysis methods and improvement strategies of commercial bank network effectiveness.
【学位授予单位】：北京邮电大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

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