商业银行客户知识吸收能力研究

发布时间：2018-06-02 01:08

本文选题：知识吸收能力 + 客户知识　；参考：《哈尔滨工业大学》2012年硕士论文

【摘要】：21世纪是知识经济时代，商业银行的竞争日益激烈，决定银行竞争优势的关键因素，已从传统上的营业网点数、存贷款规模转变为对商业银行客户知识的获取、创新与有效利用的程度。为了快速应对日益变化的环境，商业银行需要吸收各方面的知识，然而只有客户知识才是商业银行核心竞争力的源泉，因为离开了客户，银行便无法生存，只有快速有效的获取高价值的客户知识，经过消化和转化并利用于产品和服务的提供改善中，才能使银行与客户建立更加长久稳固的关系，也就成为银行长久的利润来源。知识经济背景下，客户知识成为商业银行生存发展的关键，而客户知识吸收能力则是商业银行获取竞争优势的有力保障。因此本文拟对商业银行的客户知识吸收能力进行研究，以丰富吸收能力的理论方法，并为商业银行的发展提出对策建议。首先在前人的研究之上，从仿生学的角度，将人体消化吸收与知识吸收作类比，对知识吸收能力的内涵进行详细分析，类比人体对食物的排出探索性地提出了知识清除能力的概念，，构建了吸收能力的动态过程模型，并详细探讨了吸收能力的影响因素。在此基础上，丰富了商业银行客户知识的内容，并定义了商业银行客户知识吸收能力。对商业银行的客户知识吸收能力影响因素进行了理论分析，并通过调查问卷形式获取数据，运用多元统计分析方法对影响因素进行了实证分析。构建了商业银行客户知识吸收能力的评价指标体系，利用模糊一致偏好关系对一级指标和二级指标根据重要程度进行排序评价。最后，本文从仿生学、影响因素和评价的角度提出了商业银行客户知识吸收能力的提升策略。
[Abstract]:The 21st century is the era of knowledge economy, and the competition of commercial banks is becoming increasingly fierce. The key factors that determine the competitive advantage of banks have changed from the number of traditional business outlets and the scale of deposits and loans to the acquisition of customer knowledge of commercial banks. Degree of innovation and effective use. In order to quickly cope with the changing environment, commercial banks need to absorb all aspects of knowledge, but only customer knowledge is the source of core competitiveness of commercial banks, because without customers, banks will not be able to survive. Only by quickly and effectively acquiring high value customer knowledge, digesting and transforming it and utilizing it to improve the supply of products and services, can the bank establish a more stable relationship with its customers for a longer time and become the long-term profit source of the bank. Under the background of knowledge economy, customer knowledge becomes the key to the survival and development of commercial banks, and the ability of customer knowledge absorption is the powerful guarantee for commercial banks to gain competitive advantage. Therefore, this paper intends to study the customer knowledge absorption ability of commercial banks, in order to enrich the theoretical methods of absorptive capacity, and put forward countermeasures and suggestions for the development of commercial banks. First of all, on the basis of previous studies, from the perspective of bionics, the connotation of knowledge absorption ability is analyzed in detail by analogy between human digestion and knowledge absorption. By analogy, the concept of knowledge scavenging capacity is put forward, the dynamic process model of absorption capacity is constructed, and the influencing factors of absorption ability are discussed in detail. On this basis, it enriches the content of commercial bank customer knowledge and defines the commercial bank customer knowledge absorption ability. This paper makes a theoretical analysis on the influencing factors of the customer's knowledge absorption ability of commercial banks, and obtains the data by questionnaire, and makes an empirical analysis of the influencing factors by using the method of multivariate statistical analysis. The evaluation index system of customer knowledge absorption ability of commercial banks is constructed, and the ranking evaluation of primary and secondary indexes according to the importance degree is carried out by using fuzzy consistent preference relation. Finally, this paper puts forward the strategies to enhance the customer knowledge absorption ability of commercial banks from the aspects of bionics, influencing factors and evaluation.
【学位授予单位】：哈尔滨工业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33

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