包商银行网点转型研究

发布时间：2018-05-28 17:46

本文选题：网点转型 + 网点功能　；参考：《内蒙古大学》2013年硕士论文

【摘要】：随着市场经济的不断推进,商业银行传统的服务和销售模式已不再适应这种需求。商业银行亟需通过网点转型降低资本消耗,提升银行零售网点的销售业绩。同时,金融脱媒趋势加强,直接融资市场的兴起导致对银行直接存贷需求减少。商业银行需要通过网点转型大力发展中间业务。金融服务市场的需求以及行业间的竞争,使得各家商业银行亟待调整营业模式来满足消费者的需求,通过产品结构的重新调整,增加产品的销售品种、提升服务模式和加大中间业务的收益水平。面对新的形势,商业银行对个人银行业务开始重新审视调整自己的营销策略,并对零售业务进行了重新的调整和转型。商业银行的营业网点要完成从基础的结算模式向零售业务模式转变。招商银行、民生银行、建设银行都纷纷转型,取得了很好的业绩。商业银行的网点转型势在必行。本文在例举了国内商业银行转型成果,并引用了建设银行、招商银行等转型成功数据进行了对比和研究,在此研究基础上,通过理论结合实际的方法,分析了目前包商银行网点经营的现状,特别是包商银行各营业网点在软件、硬件的不足方面,及包商银行在外部经济环境、客户结构需求变化、内部经营问题、总行战略目标、同业竞争等几个因素进行了详细的解析,明确了包商银行零售网点转型势在必行。结合包商银行实际情况,提出了包商银行网点转型对策。
[Abstract]:With the development of market economy, the traditional service and sales model of commercial banks is no longer suitable for this kind of demand. Commercial banks urgently need to reduce capital consumption through network transformation and improve the sales performance of retail outlets. At the same time, the trend of financial disintermediation is strengthened, and the rise of direct financing market leads to the decrease of direct deposit and loan demand of banks. Commercial banks need to develop intermediary business through network transformation. The demand in the financial service market and the competition among industries make it urgent for commercial banks to adjust their business models to meet the needs of consumers. Through the readjustment of the product structure, they can increase the variety of products sold. Improve the service model and increase the income level of intermediary business. Facing the new situation, the commercial banks began to re-examine and adjust their own marketing strategies to the personal banking business, and readjusted and transformed the retail business. The commercial bank's business network must complete the transformation from the basic settlement model to the retail business model. China Merchants Bank, Minsheng Bank and Construction Bank have all made good achievements. The network transformation of commercial banks is imperative. In this paper, the transformation results of domestic commercial banks are illustrated, and the successful data of China Construction Bank and China Merchants Bank are compared and studied. This paper analyzes the present situation of the operation of the contractor's bank network, especially the deficiency of the software and hardware of the contractor's bank's outlets, and the external economic environment, the change of the customer's structure and demand, the internal management problem, the strategic goal of the head office, the external economic environment of the contractor's bank, Several factors such as interbank competition are analyzed in detail, and it is clear that the transformation of retail outlets of contractor banks is imperative. Combined with the actual situation of the contractor bank, the transformation countermeasures of the contractor bank network are put forward.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

【参考文献】