中国社区银行现状研究

发布时间：2018-04-14 15:13

本文选题：社区银行 + 渠道　；参考：《兰州大学》2014年硕士论文

【摘要】：社区银行主要是指按照市场原则设置自己独立的业务,特别是按照市场原则在小型、中型银行和私人客户、社区内的特定区域的服务。众多年来,社区银行一直是国内国外金融体系的重要组成部分。当前伴随网络技术的发展,银行各种服务方向与营销渠道也随之发生快速变化,随之出现各种金融服务新趋势：需求多元化、差异化,渠道自主化、虚拟化,设备综合化。这些不仅快速改变了人们的生活方式,还给银行提供了无限的发展空间与发展区域,为银行转型社区提供了时代环境。在移动互联网的当今时代,渠道的变化是银行改革的心脏,加快网络网上银行,手机银行等建设步伐,贴近消费者,发展社区银行,实现在线和离线的协作水平,促进新渠道的快速发展。之后,上海农村商业银行已在上海农村商业领域推出第一个社区银行的概念,直到2013年初上海已经有数百个“金融超市”,各股份制银行如民生,兴业,平安,中信,加入社区银行的布局,上海浦东后来也加入了发展社区银行的行列。近年来,社区银行的实施变得更受欢迎,无论是在社区银行,大打温情牌,令渠道下沉。在本文中,通过对我国社区银行发展模式回顾,和通过分析国外社区银行发展的现状及启示,对我国现行社区银行模式存在的问题进行解剖,并提出一些自己的设想。一是发展社区银行,应当真正研究社区居民的差异化需求,必须将市场调研重点放在市场现状、潜在需求、区位优势、发展潜力等问题上,严格的收集、筛选和处理信息,提高对市场信息评估、决策和预测能力,紧密结合国家政策做好客户和区域的定位。二是社区银行在区域市场中,应当充分渗透周边商圈,利用生活平台为客户提供服务。三是优化服务渠道,打造服务手段竞争力。四是各层级机构构建完善的支持与监督体系。
[Abstract]:Community banking mainly refers to the establishment of their own independent business in accordance with market principles, especially in small, medium-sized banks and private customers, community services in specific areas.For many years, community bank has been an important part of domestic and foreign financial system.With the development of network technology, various service directions and marketing channels of banks have changed rapidly, and a variety of new trends of financial services have emerged: demand diversification, differentiation, channel autonomy, virtualization, equipment integration.These not only change people's life style rapidly, but also provide unlimited development space and development area for banks.In the era of mobile Internet, the change of channels is the heart of banking reform. We should speed up the construction of online banking, mobile banking, and so on, close to consumers, develop community banks, and realize the level of online and offline collaboration.Promote the rapid development of new channels.Since then, the Shanghai Rural Commercial Bank has introduced the concept of the first community bank in Shanghai's rural commercial field. By the beginning of 2013, there were already hundreds of "financial supermarkets" in Shanghai, and various joint-stock banks such as people's livelihood, Societe Generale, Ping an, Citic,Join the layout of community banks, Shanghai Pudong later joined the ranks of the development of community banks.In recent years, the implementation of community banks has become more popular, both at community banks, playing a warm card, causing channels to sink.In this paper, by reviewing the development mode of our country's community bank, and analyzing the present situation and enlightenment of the development of the foreign community bank, this paper dissects the problems existing in the current mode of community bank in our country, and puts forward some tentative ideas.First, to develop community banks, we should really study the differentiated needs of community residents. We must focus market research on issues such as market status, potential demand, location advantages, development potential, and so on, and strictly collect, screen and process information.Improve the ability of market information evaluation, decision-making and forecast, and position customers and regions in close combination with national policies.Second, community banks in the regional market, should fully penetrate the surrounding business circle, using the life platform to provide services for customers.Third, optimize service channels and build competitive power of service means.Fourth, all levels of institutions to build a sound support and supervision system.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

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