包商银行网点转型模式研究

发布时间：2018-06-14 12:22

本文选题：包商银行 + 网点转型　；参考：《内蒙古大学》2012年硕士论文

【摘要】：随着经济的快速增长,社会财富的积累日趋丰厚,广大居民个人收入和财富快速增长,客户不仅仅满足于商业银行的传统服务方式和销售模式。与此同时,金融服务市场急剧扩大,随着商业银行扩大产品销售、增强自身市场竞争能力、增加收益水平等内在动力驱使,各家商业银行对个人银行业务开始重新审视并大举进军零售银行业务。商业银行的营业网点作为面对客户的最基层营业机构,其功能已从传统的交易核算型向零售销售型转变。随着银行业的飞速发展及对外开发程序的日益提高,银行业的竞争愈加趋于激烈。商业银行的网点转型势在必行。本文在回顾了大量国内外网点转型研究基础上,通过理论结合实际的方法,运用了统计分析、案例分析等方法,分析了包商银行网点现状,找到包商银行网点软硬件的短板,通过对国内外形势的变化分析,明确了包商银行零售网点转型的必要性,对转型问题及原因的进一步分析,深究原因,通过借鉴国内外商业银行网点转型模式成功经验,结合包商银行实际情况,最终对包商银行网点转型模式提出了较为完善的转型对策。希望对包商银行乃至其他商业银行网点转型模式的选择有一定的现实意义。
[Abstract]:With the rapid growth of economy, the accumulation of social wealth is becoming more and more rich, and the personal income and wealth of the vast number of residents are growing rapidly. Customers are not only satisfied with the traditional service mode and sales mode of commercial banks. At the same time, the financial services market has expanded dramatically. As commercial banks expand their product sales, enhance their own market competitiveness, and increase the level of income, and so on, Commercial banks began to re-examine the individual banking business and into the retail banking business. As the most basic business institution facing customers, commercial bank's function has changed from the traditional transaction accounting model to the retail sales type. With the rapid development of the banking industry and the increasing process of external development, the competition of the banking industry is becoming more and more fierce. The network transformation of commercial banks is imperative. On the basis of reviewing a large number of domestic and foreign network transformation studies, through the combination of theory and practice, using the methods of statistical analysis and case analysis, this paper analyzes the current situation of the contractor's bank network, and finds the hardware and software of the contractor's bank network's short board. By analyzing the changes of domestic and foreign situation, this paper makes clear the necessity of the transformation of retail outlets of contractors' banks, further analyzes the problems and causes of the transformation, explores the reasons, and draws lessons from the successful experience of the transformation mode of commercial banks' outlets at home and abroad. Combined with the actual situation of the contractor bank, this paper finally puts forward a more perfect transformation countermeasure to the transformation mode of the contractor bank network. It is hoped that the selection of transformation mode for contractor banks and other commercial banks is of practical significance.
【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】：F832.2

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