农业银行AB支行网点精细化管理研究

发布时间：2019-02-16 20:30

【摘要】：近年来,随着我国经济新常态的稳步发展,我国商业银行的改革进程不断加快。营业网点作为商业银行重要的服务窗口和产品销售渠道,在商业银行改革进程中被给予了高度重视。国内多家商业银行为进一步挖掘银行网点的潜在功能,已经对精细化管理展开了积极的研究,并且对网点如何实施精细化管理进行了初步的探索,逐渐地把精细化管理广泛应用于商业银行经营管理的各个环节中。农业银行作为我国四大国字头银行之一,始终高度重视营业网点的经营管理改革。但由于银行网点职能定位不清、业务发展重点不明、网点存在多头管理、分配考核体系混乱、网点营销存在脱节、人力资源匹配不当等问题的存在,很大程度上制约了农业银行网点精细化管理的有效实施。因而,以农业银行AB支行网点为例,对该行网点精细化管理展开研究,对国内其他银行网点进行精细化管理具有典型的代表作用。故此,本文采用定性分析与定量分析相结合的方法,以精细化管理理论、六西格玛理论、5S理论等为理论基础,以实际调查数据为支撑,以农业银行AB支行网点为例,从银行网点布局、设施布置、人员配置、考核体系设计、服务流程设计等方面系统的对银行网点实施精细化管理的现状展开研究,从中发现存在的问题,并针对问题从精细化管理的目标、指导思想和原则以及网点的布局、内部岗位的配置、考核体系的设计等方面制定出银行实施精细化管理的具体方案,为保障实施方案的实施效果,相继提出配套措施,最终分别针对国家层面、行业组织层面和银行自身角度提出一些促进银行网点实现精细化管理的政策建议。
[Abstract]:In recent years, with the steady development of the new normal economy in our country, the reform process of commercial banks in our country has been speeding up. As an important service window and sales channel of commercial banks, business outlets have been attached great importance to in the process of commercial bank reform. In order to further excavate the potential function of the bank network, many domestic commercial banks have carried out active research on the fine management, and have made a preliminary exploration on how to carry out the fine management of the network. Gradually fine management is widely used in all aspects of commercial bank management. As one of the four leading banks in China, Agricultural Bank has always attached great importance to the reform of business network management. However, due to the unclear function of the bank network, the unclear business development focus, the existence of multi-head management in the network, the confusion of the distribution and assessment system, the disconnect of the network marketing, the improper matching of human resources, and so on, To a large extent has restricted the agricultural bank network fine management effective implementation. Therefore, taking the AB branch of the Agricultural Bank of China as an example, the fine management of the bank's network is studied, and the fine management of other domestic bank outlets has a typical representative role. Therefore, this paper adopts the method of combining qualitative analysis with quantitative analysis, taking fine management theory, six Sigma theory, 5S theory as the theoretical foundation, taking the actual investigation data as the support, taking the agricultural bank AB branch network as the example. From the bank network layout, facilities layout, staffing, assessment system design, service flow design and other aspects of the bank network implementation of the status quo of fine management, found out the existing problems. Aiming at the problems, the detailed management target, guiding ideology and principle as well as the layout of the network, the allocation of internal posts, the design of the examination system, and so on, have been formulated out the concrete plan of implementing the fine management of the bank. In order to ensure the implementation effect of the implementation plan, we put forward supporting measures one after another, and finally put forward some policy recommendations to promote the fine management of the bank network in view of the national level, the industry organization level and the bank's own angle.
【学位授予单位】：西北大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.33

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