关于国内商业银行渠道转型的策略研究
发布时间：2019-01-28 20:12
【摘要】：随着我国金融业对外开放步伐的不断加快,以及互联网金融的迅速发展,我国商业银行面临着巨大的经营压力。一方面原有的单一渠道经营模式无法满足客户多元化、个性化的业务需求,另一方面还要想方设法降低经营成本。在这样的背景下,渠道转型成为大多数商业银行的必然选择。本文在深入分析研究我国商业银行渠道转型存在的问题以及面临的挑战的同时,借鉴先进商业银行在渠道发展方面的经验,在此基础之上,结合我国商业银行的客观现状,阐述了商业银行渠道转型的方向和路径,并进一步提出了“统一多渠道管理理念,设立相应机制;明确互联网金融战略,合理配置资源;建立坚实技术构架,支持渠道转型;优化转型流程,提高渠道运作效率”作为我国商业银行渠道转型的策略选择。
[Abstract]:With the quickening of the pace of opening up to the outside world and the rapid development of Internet finance, Chinese commercial banks are facing enormous operating pressure. On the one hand, the original single channel business model can not meet the needs of diversified and individualized business, on the other hand, we must find ways to reduce operating costs. In this context, channel transformation has become the inevitable choice of most commercial banks. While deeply analyzing the problems and challenges of channel transformation of commercial banks in China, this paper draws lessons from the experience of advanced commercial banks in channel development, and on this basis, combines the objective situation of commercial banks in our country. This paper expounds the direction and path of channel transformation of commercial banks, and further puts forward the idea of unified multi-channel management and sets up the corresponding mechanism; Clear Internet financial strategy, reasonable allocation of resources; establish a solid technical framework to support channel transformation; optimize the transformation process, improve channel operation efficiency "as the strategic choice of channel transformation of commercial banks in China."
【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.33
[Abstract]:With the quickening of the pace of opening up to the outside world and the rapid development of Internet finance, Chinese commercial banks are facing enormous operating pressure. On the one hand, the original single channel business model can not meet the needs of diversified and individualized business, on the other hand, we must find ways to reduce operating costs. In this context, channel transformation has become the inevitable choice of most commercial banks. While deeply analyzing the problems and challenges of channel transformation of commercial banks in China, this paper draws lessons from the experience of advanced commercial banks in channel development, and on this basis, combines the objective situation of commercial banks in our country. This paper expounds the direction and path of channel transformation of commercial banks, and further puts forward the idea of unified multi-channel management and sets up the corresponding mechanism; Clear Internet financial strategy, reasonable allocation of resources; establish a solid technical framework to support channel transformation; optimize the transformation process, improve channel operation efficiency "as the strategic choice of channel transformation of commercial banks in China."
【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.33
【参考文献】
相关期刊论文 前8条
1 王方宏;郑越西;;信息时代的银行组织架构调整[J];国际金融;2013年09期
2 安晨;洪，
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