中国银行内蒙古自治区分行网点转型流程优化研究

发布时间：2018-01-02 15:29

本文关键词：中国银行内蒙古自治区分行网点转型流程优化研究　出处：《内蒙古大学》2012年硕士论文　论文类型：学位论文

【摘要】：目前,国内商业银行面临着资本约束、利率市场化、金融脱媒、客户需求变化以及市场开放下的激烈竞争等等金融环境的剧变,这些外生的强变量在深刻影响着国内商业银行的发展命运。商业银行作为金融企业,需要通过渠道向消费者提供产品和服务,从而实现其盈利的最终目标。银行网点作为银行创造经营业绩的主要渠道之一,是客户认同银行服务、与银行建立信赖关系的基点,然而随着银行业之间的竞争加剧,银行网点任务重、压力大,各岗位职责分工和协作流程存在的矛盾也日益激化,因此如何能够发挥银行网点的主观能动作用,促进网点业务全面持续健康发展,提升网点综合效能,进一步赢得市场和客户,对银行深入转型流程优化工作提出了迫切要求。换而言之,商业银行业务模式和盈利模式的转型,必然要求网点转型流程不断优化,即要建立合理高效的组织架构,协调整合各项金融产品,并通过广泛多样的营销渠道和交互销售,为客户提供快捷满意的综合化金融服务。本文拟通过对中国银行内蒙古自治区分行的网点转型流程优化执行成效、不足进行分析,并提出针对性的改进意见和建议。在分析的整体过程中,将针对方案的不足和执行中的问题试图运用现代金融营销理论来论证所提建议的科学性和合理性并进行论证。
[Abstract]:At present, domestic commercial banks are facing capital constraints, the interest rate market, financial disintermediation, changes in customer demand changes and the opening of the market under the fierce competition in the financial environment and so on, these exogenous variables strong a profound impact on the development of the fate of domestic commercial banks. Commercial banks as a financial enterprise, provide goods and services to consumers through the the channel, so as to realize the ultimate goal of profit. As one of the main channels of bank bank outlets to create business performance, customer identification of banking services, the basis to establish a relationship of trust with the bank, but with the increasing competition between banks, bank branches, heavy task, pressure, contradiction of job responsibilities division and cooperation process it is increasingly intensified, so how to play an important role in promoting the bank outlets, business outlets comprehensive healthy development, raise the comprehensive efficiency of network Further, to win the market and customers, it is urgent to further transformation of bank work in process optimization. In other words, the transformation of commercial bank business model and profit model, requirement of network transformation process of continuous optimization, to establish a reasonable and efficient organizational structure, coordination and integration of all kinds of financial products, and through a wide variety of marketing channels and interactive marketing, providing comprehensive financial services to the satisfaction of our customers. This paper through the process optimization implementation of network transformation China bank the Inner Mongolia Autonomous Region branch, the lack of analysis, and puts forward some improvement opinions and suggestions of the whole process. In the analysis, the shortcomings and problems in the implementation of the program to use the modern financial marketing theory to demonstrate the recommendations of the scientific and reasonable and demonstration.

【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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