农业银行网点业务量影响因素研究

发布时间：2018-05-06 02:43

本文选题：农业银行 + 营业网点　；参考：《青岛科技大学》2015年硕士论文

【摘要】：从长期来看,网点业务量水平反映了客户对一个网点服务的偏好水平,是客户对某网点需求偏好的真实映射。虽然短期来看,网点业务量对客户的需求反映不够客观,可能由于效率低下等因素不能反应客户的真实需求。网点业务量是影响一个网点发展潜力和盈利能力的关键因素,是商业银行进行选址和业务营销应考虑的重要指标,能给商业银行的经营决策提供重要的参考依据,营销价值十分重大。影响网点业务量的指标多种多样,就整体情况而言,大致可分为宏观因素与微观因素两大类。本文将着眼于商业银行网点业务量影响因素的评价与研究,拟以农业银行某分行为例,建立农业银行网点业务量影响因素评价体系,找出各因素影响的程度,以便发挥有利因素,克服不利因素,在进一步完善农业银行网点业务量影响因素理论的同时,为农业银行网点综合营销决策提供理论支持,具有一定的理论意义和实用价值。本文第一部分以介绍研究背景、选题在理论和实践中的意义、国内外研究动态为主,并对论文的大体框架、主要内容、研究拟采用的方法进行简单的描述；第二部分主要涉及业务概述和基础理论,对农业银行业务的分类进行界定,对可能用到的理论基础进行阐述；第三部分定性地分析影响农业银行网点业务量的因素,从宏观角度和微观角度全面考虑,为后面评价指标的建立界定范围；第四部分是全文的重中之重,首先建立了评价体系,采用多元线性回归模型分析各因素影响,然后对模型结构进行分析,反映出农行网点业务量的现状及深层次原因,最后对模型结果进行实证分析；第五部分根据模型评价结果逐项提出相应对策。第六部分是结论与展望。
[Abstract]:In the long run, the level of business volume reflects the customer's preference level for a network service, which is the true mapping of the customer's preference to the demand for a network. Although in the short term, the volume of network business to reflect the customer's demand is not objective, perhaps because of inefficiency and other factors can not reflect the customer's real needs. The volume of network business is the key factor that affects the development potential and profitability of a network, and it is an important index for commercial banks to consider the location and business marketing, which can provide an important reference basis for the business decisions of commercial banks. Marketing is of great value. There are many kinds of indexes that affect the business volume of network. As for the whole situation, they can be divided into two categories: macro factor and micro factor. This paper will focus on the evaluation and study of the factors affecting the business volume of commercial banks, and take a branch of the Agricultural Bank of China as an example to establish the evaluation system of the factors affecting the business volume of the branches of the Agricultural Bank of China, and find out the extent of the influence of each factor. In order to give full play to the favorable factors and overcome the unfavorable factors, it is of theoretical significance and practical value to further improve the theory of the influencing factors of the network business volume of the Agricultural Bank of China (ABC) and to provide theoretical support for the comprehensive marketing decision of the Agricultural Bank of Agricultural Bank (ABC). The first part of this paper is to introduce the research background, the significance of the topic in theory and practice, the domestic and foreign research trends, and the general framework of the paper, the main content, the research methods to be used to carry out a simple description; The second part mainly deals with the business overview and basic theory, defines the classification of agricultural bank business, expounds the theoretical basis that may be used; the third part qualitatively analyzes the factors that affect the volume of agricultural bank network business. The fourth part is the most important part of the paper. Firstly, the evaluation system is established, and the multivariate linear regression model is used to analyze the influence of various factors. Then the structure of the model is analyzed to reflect the current situation and deep-seated reasons of ABC network business. Finally, the model results are empirically analyzed. The fifth part puts forward corresponding countermeasures one by one according to the evaluation results of the model. The sixth part is the conclusion and prospect.
【学位授予单位】：青岛科技大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.33

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