山东省农村信用社网点转型模式及对策研究

发布时间：2018-01-15 04:25

本文关键词：山东省农村信用社网点转型模式及对策研究　出处：《青岛大学》2017年硕士论文　论文类型：学位论文

【摘要】：网点转型是商业银行根据市场和客户的需求,以标准化、统一化辖内网点的服务营销模式,实现服务标准化和客户体验的一致性,以提高客户满意度和市场占有率的战略选择。近年来,随着金融业开放、互联网技术发展,国内商业银行加快网点转型的步伐,正逐步从网点外观装修、布局优化等“硬转型”转向专业化经营、流程再造、转变服务方式、经营管理体制改革等“软转型”,极大地提高了网点经营效率和市场竞争能力。农村信用社必须顺应金融发展趋势,加速传统营业网点的转型。本文基于企业管理相关理论,选取昌乐、枣庄、费县三家农信社为案例,总结山东省农信社网点转型的模式与经验,提出对策建议。研究表明,目前山东农信社网点转型具有三种模式,一是物理渠道、营销及考核机制转型模式;二是流程银行建设模式;三是社区银行建设模式。主要面临网点转型思路创新不足、缺乏与互联网金融平台相结合、科技支撑薄弱、专业人才匮乏、人员素质有待提高等问题。在当前经济金融形势下,建议从更新理念、加快创新、突出特色、强化人力资源保障和科技支撑、协同矢进形成工作合力、重视客户体验和市场需求等方面着手,加快矢进山东省农信社网点转型。
[Abstract]:Network transformation is commercial banks according to the needs of the market and customers in order to standardize the unified service marketing model within the jurisdiction of the network to achieve service standardization and customer experience consistency. In recent years, with the opening of the financial industry, Internet technology development, domestic commercial banks to accelerate the pace of network transformation, is gradually from the point of external decoration. "hard transition" such as layout optimization has turned to "soft transition", such as specialized management, process reengineering, changing service mode and management system reform. Rural credit cooperatives must conform to the trend of financial development, accelerate the transformation of traditional business outlets. Based on the theory of enterprise management, this paper selects Changle, Zaozhuang. Three rural credit cooperatives in Fei County as a case, summed up the mode and experience of the transformation of rural credit cooperatives in Shandong Province, put forward countermeasures and suggestions. The study shows that the transformation of rural credit cooperatives in Shandong has three models, one is physical channels. Marketing and evaluation mechanism transformation model; Second, the construction mode of process bank; The third is the construction mode of community bank. It is mainly faced with lack of innovation of network transformation, lack of combination with Internet financial platform, weak support of science and technology, and lack of professionals. In the current economic and financial situation, it is suggested to renew the concept, speed up innovation, highlight characteristics, strengthen human resources security and scientific and technological support, and work together to form a concerted effort. Attach importance to customer experience and market needs, accelerate the transformation of rural credit cooperatives in Shandong Province.
【学位授予单位】：青岛大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35

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