包商银行网点转型发展战略研究

发布时间：2018-01-01 00:14

本文关键词：包商银行网点转型发展战略研究　出处：《内蒙古大学》2012年硕士论文　论文类型：学位论文

【摘要】：零售银行业务在当今国际银行业务中越来越受到重视,在国外许多大银行零售业务收入占到了总收入的近60%。在中国,零售银行业务发展空间相对较大,但是业务规模和产品服务相对还有不足,零售业务具有风险分散、利润较高、客户群体广泛等特点地,现在在国内也逐步成为了商业银行发展的重点。零售业务逐步成为国内银行战略性选择的大背景,本文通过对包商银行网点转型的战略研究,揭示了作为银行网点主体的物理网点及其转型再造,对于国内银行发展零售业务具有非常重要的价值和现实意义,并在引述评析“新网点主义”、“网点转型”等思想理念之后,在全面分析评价该行网点经营管理现状基础上,对包商银行网点的硬件及软件进行了详细诊断,通过诊断发现,在硬件方面,包商银行目前网点分布不够均匀,网点面积不能良好的提高客户的满意度,功能分区不明显,不能有效为客户提供高质量的服务,外部环境有待建设,提高网点的知名度和形象。在软件方面,总分行制的管控制度制约着网点的健康发展,管理职能上存在缺失、重叠、弱化等问题,不能有效指导和管理网点的设置、运营和销售,网点绩效管理制度不能全面反映网点的经营效率,人员配置不够充足,技能也有待提高。通过SWOT分析发现,包商银行在市场竞争中存在很大优势,如先进的经营理念,理财业务的迅猛发展,但是也存在规模不足,产品创新不够,营销能力欠缺,服务理念不足等问题。另外,巴塞尔协议Ⅲ对资本充足率的要求及利率市场化的推进对商业银行的发展提出新的要求：重视轻资本业务,如中间业务,重视高利润业务。零售网点资本消耗大,其产能的提升对于提升商业银行的业绩具有重要的作用。中国财富市场的需求及市场竞争的日趋激烈决定了包商银行要想快速健康发展,网点转型势在必行。本文根据实际情况,提出了包商银行要从网点市场营销、客户服务、人力资源、业务流程、绩效管理、功能设计、网络布局等方面着手推进银行网点转型再造,并就此给出了具体的设计推进思路。此外,还给出了该行截止2011年末网点转型工作取得的阶段性成果、突出存在的问题和对未来的一些展望。
[Abstract]:The retail banking business in today's international banking business more and more attention, accounted for the total income of nearly 60%. in Chinese in many large foreign retail banking business income, the retail banking business development space is relatively large, but the scale of business and product service and retail business with relative lack of risk diversification, high profit, wide customer groups etc. the characteristics, now in China has gradually become the focus of the development of commercial banks.
The retail business has gradually become the background of strategic choice of domestic banks, based on the strategy of Commercial Bank branch transformation package, reveals the reconstruction of physical outlets as the main bank and its transformation, has a very important value and practical significance for the development of the retail business of domestic banks, and evaluates the new Outletism in the quote, "network transformation" and other ideas, in the comprehensive analysis and evaluation of the network management based on the current situation, the hardware and software package business banking outlets in detail through diagnosis, diagnosis, in the hardware aspect, the contractor bank outlets are not evenly distributed, the dot area can not be good to improve customer satisfaction, function partition is not obvious, can provide high quality service for customers, external environment needs construction, improve network visibility and image. In the aspect of software, the total branch The control system is restricting the healthy development of the network, there is lack, the management functions overlap, weakening and other issues, can not effectively guide and manage the network settings, operations and sales outlets, can not fully reflect the network performance management system operating efficiency, personnel allocation is not adequate, skills need to be improved. Through SWOT analysis, package commercial banks have great advantage in market competition, such as advanced business philosophy, the rapid development of financial services, but also has enough scale, product innovation is not enough, lack of marketing ability, service concept is insufficient. In addition, to promote the Basel agreement on capital adequacy requirements and the interest rate market new requirement to the development of commercial banks: the importance of light capital operations, such as intermediate business, pay attention to the high profit business. The retail capital consumption, the production capacity to enhance the competitiveness of commercial banks in the industry Performance plays an important role. The demand for Chinese wealth market and the increasingly fierce market competition decide that if the banks want to develop rapidly and healthfully, the transformation of network outlets is imperative.
According to the actual situation, put forward the bank from the network marketing, customer service, human resources, business processes, performance management, function design, network layout to promote bank branchtransformation reengineering, and gives the concrete design to promote ideas. In addition, given the bank by the end of 2011 network transformation work achievements, outstanding problems and some prospects for the future.

【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33

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