农业银行夹江县支行智能网点管理模式研究

发布时间：2018-03-07 16:33

本文选题：农业银行　切入点：智能网点　出处：《新疆大学》2017年硕士论文　论文类型：学位论文

【摘要】：随着互联网的普及,客户金融消费方式和习惯正在发生深刻变化,对传统金融业态形成强有力的冲击;同时,城镇化建设的提速,对县域经济发展注入了新的活力和动力,广大县域客户金融需求不断扩张,对金融服务的需求明显提高。在这种情况之下,农业银行面向城镇化以及三农服务开发并推广智能网点。农业银行智能网点在传统人工网点的基础上,减少营业支出,减少人工成本,较之传统自助银行仅需增加少量管理和运行成本,依托各类客户自主操作的银行机具,辅之驻点员工的延伸服务,提升智能网点的服务功能、业务功能、营销功能,从而提高其投入产出比。本文以农业银行夹江县支行智能网点管理实际情况为主线,通过对国内外先进银行智能网点管理的启发,对农业银行夹江县支行智能网点管理中存在的问题,运用实证分析法,提出可行性对策。全文由六章组成,其基本内容如下:第一章为绪论。结合国内外智能网点研究现状,论述本文研究的目的及意义,提出了研究内容及思路、方法及框架。第二章为商业银行智能网点管理现状及趋势。首先介绍了智能网点概念、产生背景、发展趋势以及特征,其次商业银行智能网点的管理现状及面临的主要问题。第三章分析了农行夹江县支行智能网点管理现状及问题。通过对农行夹江县支行智能网点管理现状的分析,提出了农行夹江县支行智能网点管理存在的问题。第四章通过对花旗银行、富国银行以及招商银行智能网点的创建经验与管理启示,分析了智能网点管理方面的优秀经验。第五章对农行夹江县支行智能网点管理模式提出了对策建议。主要从网点选址、设备配置、健全管理制度、成本与收益分析以及服务功能的开发等方面提出了农行夹江县支行智能网点的管理对策。第六章为结论。首先对农行夹江县支行智能网点管理工作进行了概括总结,指出了撰写本文的局限性,最后提出农行夹江县支行智能网点管理未来研究的重点和方向。
[Abstract]:With the popularity of the Internet, customer financial consumption patterns and habits are undergoing profound changes, forming a strong impact on the traditional financial industry. At the same time, the acceleration of urbanization has injected new vitality and impetus into the development of the county economy. The financial needs of customers in the vast number of counties are constantly expanding, and the demand for financial services has increased significantly. In this case, The Agricultural Bank of China aims at urbanization and the development and promotion of intelligent networks for agriculture, rural areas and farmers. The agricultural bank's intelligent network reduces operating expenses and labor costs on the basis of traditional artificial networks. Compared with the traditional self-help banks, they only need to increase a small amount of management and operation costs, rely on various kinds of customer independent operation of bank tools, auxiliary the extension service of the staff, enhance the service function, business function and marketing function of the intelligent network. In order to improve the input-output ratio, this paper takes the actual situation of intelligent network management of Jiajiang Branch of Agricultural Bank as the main line, through the inspiration to the intelligent network management of domestic and foreign advanced banks, According to the problems existing in the intelligent network management of Jiajiang Branch of Agricultural Bank of China, this paper uses the empirical analysis method to put forward the feasible countermeasures. The full text is composed of six chapters, and its basic contents are as follows: the first chapter is the introduction, and combined with the current situation of intelligent network research at home and abroad, This paper discusses the purpose and significance of this study, and puts forward the research contents and ideas, methods and framework. Chapter two is the present situation and trend of intelligent network management of commercial banks. Firstly, the concept, background, development trend and characteristics of intelligent network are introduced. The third chapter analyzes the current situation and problems of the intelligent network management of Agricultural Bank of China (ABC) branch in Jiajiang County, through the analysis of the current situation of the intelligent network management of the branch of Jiajiang County of Agricultural Bank of China, and the analysis of the current situation of the intelligent network management of the branch in Jiajiang County of Agricultural Bank of China. The paper puts forward the problems existing in the intelligent network management of Agricultural Bank of Jiajiang County. Chapter 4th, through the experience and management inspiration to the establishment of intelligent network of Citibank, Wells Fargo Bank and China Merchants Bank, This paper analyzes the excellent experience in the management of intelligent network. Chapter 5th puts forward the countermeasures and suggestions for the management mode of the intelligent network in Jiajiang County Branch of the Agricultural Bank of China, mainly from the site selection, the equipment configuration, and the sound management system. In the aspects of cost and income analysis and the development of service function, the paper puts forward the management countermeasures of the intelligent network in Jiajiang County Branch of Agricultural Bank of China. Chapter 6th is the conclusion. Firstly, the management work of intelligent network in Jiajiang County Branch of Agricultural Bank of China is summarized. The limitations of writing this paper are pointed out, and the emphasis and direction of future research on intelligent network management in Jiaojiang County Branch of Agricultural Bank of China are put forward.
【学位授予单位】：新疆大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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