A银行XX分行零售网点转型研究

发布时间：2018-06-12 16:50

本文选题：网点转型 + 核心竞争力　；参考：《北京交通大学》2013年硕士论文

【摘要】：随着金融全球化,商业银行发展面临着非银行金融机构的威胁以及国内外同业的挑战,各家银行直接在国内市场展开了激烈地竞争。现代银行在市场上的竞争更多体现在服务水平上,单独靠产品以及规模很难具有可持续性的竞争力,国内各家银行纷纷借鉴国外先进经验并加入网点转型行列,提升网点的服务水准,在网点的硬件、业务流程、客户分层管理及经营管理体制着手,打造专业化零售银行运营体系,并获得良好的效果,提高了网点的竞争能力。本文应用实证研究、理论分析、对比分析、案例分析等技术手段和方法对A银行XX分行的转型进行研究,首先综述了国内外学者对网点转型的研究状况,分析了A银行XX分行零售业务的现状,以“网点转型”的思想、渠道管理、核心竞争力和流程再造等理论为支撑,提出XX分行网点转型的必要性；其次,着重对XX分行网点转型机制的设计进行了阐述和分析,从转型的目标、计划、实施团队、网点组织结构、绩效配套措施等方面进行了设计展开；再次,分析了从网点调研、示范网点打造、全面推广及验收总结的网点转型的实施全过程,在网点调研中揭示了网点存在着经营管理效率低、渠道建设不足、网点流程繁杂、队伍建设不健全等问题,而转型的手段正是解决这些问题的路径；最后,为了网点转型现实可持续性,以及使网点转型发挥到极致,加强渠道建设及员工技能培训是网点转型后期保障。笔者最后认为网点转型是商业银行提升核心竞争力的必由之路,银行竞争力提高的根本在于银行基层零售网点服务销售能力的提升,网点转型不仅是硬件的转型,还包括流程再造、人员配置、营造营销氛围、产品服务提升等方面的软件转型。本文论文图11幅,表21个,参考文献52篇。
[Abstract]:With the financial globalization, the development of commercial banks is facing the threat of non-bank financial institutions as well as the challenges of domestic and foreign banks, each bank has launched a fierce competition in the domestic market. The competition of modern banks in the market is more reflected in the service level, relying solely on products and scale is difficult to have sustainable competitiveness, domestic banks have learned from foreign advanced experience and joined the transformation of the network. Improve the service level of the network, in the network hardware, business processes, customer stratification management and management system to create a specialized retail bank operation system, and obtain good results, improve the competitive power of the network. This paper uses empirical research, theoretical analysis, comparative analysis, case analysis and other technical means and methods to study the transformation of A Bank XX Branch. This paper analyzes the present situation of the retail business of XX Branch of A Bank, and puts forward the necessity of the transformation of XX branch network based on the theory of "network transformation", channel management, core competitiveness and process reengineering. Focusing on the XX branch network transformation mechanism design and analysis, from the transformation of the objectives, plans, implementation team, network organizational structure, performance measures and other aspects of the design. The whole process of implementing the network transformation, which is made, popularized and summed up by the demonstration network, reveals in the network survey that the network has some problems, such as low efficiency of operation and management, insufficient channel construction, complicated flow of network, imperfect team construction, etc. The means of transformation is the way to solve these problems. Finally, in order to make the network transformation sustainable and make the network transformation to the maximum, strengthening the channel construction and staff skills training is the later guarantee of network transformation. Finally, the author thinks that the transformation of network is the only way for commercial banks to enhance their core competitiveness, and the fundamental to enhance the competitiveness of banks lies in the promotion of the service sales ability of the retail outlets at the grass-roots level, and the transformation of network is not only the transformation of hardware. It also includes process reengineering, staffing, creating marketing atmosphere, product and service upgrading and other aspects of software transformation. There are 11 drawings, 21 tables and 52 references in this paper.
【学位授予单位】：北京交通大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

【参考文献】