中国农业银行M分行零售网点转型研究

发布时间：2018-06-26 03:24

本文选题：商业银行 + 零售业务　；参考：《西南科技大学》2017年硕士论文

【摘要】：随着全球化进程的推进和互联网金融的快速崛起,商业银行零售业务近年来得以快速发展,零售业务中间业务收入占比正在逐步攀升。面对经营环境瞬息万变的金融市场和互联网金融的挑战,各家商业银行着重打造零售银行,已成为抢占市场份额的战略重点。但在着力发展零售银行业务中,历史积弊严重阻碍了发展道路,因此,必须跟随时代潮流研发新型金融产品、改进服务模式、并逐步开始推行零售网点转型。零售网点转型基本经历两个阶段,第一阶段基本集中于网点硬件升级改造及统一各网点服务标准上,包括网点布局、厅堂功能分区、客户识别及分流等。第二阶段网点转型基本侧重于软服务进一步升级和优化。包括细分客户、严格绩效考核、重在提升网点产能及提升客户的满意度等。零售网点转型是各商业银行目前面临的重要课题,是事关后续商业银行发展的关键举措。在当前经济形势下,传统商业银行需要结合各自实际情况及发展现状,在零售网点转型理论的指导下,通过顺应金融行业发展规律,提炼目前发展中存在的具体问题,高屋建瓴的提出转型理念、有目的性的设计转型方案并扎实推进,才能使商业银行零售业务转型落到实处,做出成效。本文首先对零售网点的转型理论进行了概括和综述,对网点转型背景、内涵和必要性做了深入阐述,总结提炼了国内外商业银行零售网点转型的成功经验,并对我国目前比较成功的互联网金融案例进行了详细的介绍和分析。针对农业银行M分行零售网点转型问题,文中运用SWOT分析方法,总结了农业银行M分行发展中的优势、劣势、机遇和挑战。在分析目前经营现状的基础上,针对存在的问题,有针对性的制定零售网点转型方案,并对已经实施转型的网点进行评价,分析转型效果,为后期持续推进转型提供数据支撑。本文以一个银行从业十年的工作者视角,在分析当前我国商业银行面临的问题及转型必要性后,结合农业银行M分行零售网点转型实践,提出了切实可行的方案,并对转型方案在现实中网点的实施效果进行跟踪评估,实现了理论分析和实证研究相结合。希望本文能够对我国商业银行零售银行业务转型提供借鉴。
[Abstract]:With the advancement of globalization and the rapid rise of Internet finance, the retail business of commercial banks has developed rapidly in recent years. Facing the challenge of the rapidly changing financial market and Internet finance, commercial banks focus on building retail banks, which has become the strategic focus of market share. However, in the development of retail banking business, historical disadvantages seriously hinder the development of the road, so we must follow the trend of the times to develop new financial products, improve the service model, and gradually start to implement the transformation of retail outlets. The transformation of retail outlets basically goes through two stages. The first stage basically focuses on the upgrading of network hardware and the unification of service standards of various outlets, including network layout, hall function partition, customer identification and distribution, and so on. The second stage network transformation basically focuses on the further upgrading and optimization of soft services. Including customer segmentation, strict performance appraisal, focus on improving network capacity and customer satisfaction. Retail network transformation is an important issue facing commercial banks at present, and it is a key measure related to the subsequent development of commercial banks. In the current economic situation, the traditional commercial banks need to combine their actual situation and development situation, under the guidance of the retail network transformation theory, to refine the specific problems existing in the current development by complying with the development law of the financial industry. Hillhouse put forward the concept of transformation, a purposeful design and solid promotion of the transformation plan, in order to make the commercial bank retail business transformation into reality, to achieve results. In this paper, the transformation theory of retail network is summarized and summarized, the background, connotation and necessity of network transformation are expounded, and the successful experience of retail network transformation of commercial banks at home and abroad is summarized. And to our country at present quite successful Internet finance case has carried on the detailed introduction and the analysis. Aiming at the problem of retail network transformation of Agricultural Bank of China (ABC) M Branch, this paper summarizes the advantages, disadvantages, opportunities and challenges in the development of Agricultural Bank M Branch by using SWOT analysis method. On the basis of the analysis of the present operating situation, aiming at the existing problems, the paper formulates the plan of retail network transformation, evaluates the network that has already implemented the transformation, analyzes the effect of transformation, and provides data support for promoting the transformation in the later period. Based on the analysis of the current problems and the necessity of the transformation of commercial banks in China, this paper, from the perspective of a ten-year banking profession, puts forward a feasible scheme combining with the practice of the transformation of retail outlets in the M branch of Agricultural Bank of China. The implementation effect of the transformation scheme in reality is evaluated, and the combination of theoretical analysis and empirical research is realized. I hope this paper can be used for reference to the retail banking business transformation of commercial banks in China.
【学位授予单位】：西南科技大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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