HD银行的服务创新研究

发布时间：2018-10-09 15:31

【摘要】：城市商业银行是在城市信用社的基础上筹建起来的,其总体规模逐年迅速增长,现已成为我国金融业的重要组成部分。近年来,由于受到我国经济下行压力大和全面放开存款利率上限等宏观因素的综合作用,银行业的竞争愈演愈烈,对我国城市商业银行的可持续发展提出了新的难题。由于城市商业银行自身的地域限制和较小的资产规模,其在同业竞争中处于更加不利的地位。因此,对于如何提高城商行竞争力的研究就显得更加重要。HD银行是一家在城市信用社改制浪潮中成立的城市商业银行,具有与一般城商行相似的历史背景和典型特点。所以,对HD银行服务创新案例的研究能起到助推我国城市商业银行提升竞争力的作用。本文以HD银行服务创新的案例为研究对象,首先介绍了HD银行的基本情况和经营状况。以2013年为节点,反映HD银行经营状况的主要指标,诸如规模增长、不良率和盈利能力表现不佳。HD银行为了突破成长的困境,最终认为从服务方式和模式的创新入手是可行路径。因此,以2013年为起点,以A支行作为创新试点行,主要进行了两大服务创新活动,并新成立了“微贷中心”开展小微贷款业务。从之后的运营指标中,我们可以发现,A支行无论存款数额,每日平均办理的业务量均呈现大幅度增长。这表明HD银行两大服务创新策略是有效的,并且,对于其取得成效的原因进行剖析也是必要的。本文利用服务创新四维度模型的研究方法,从概念创新、服务界面、组织创新和技术四个方面对HD银行服务创新的内在机理进行了研究。然后,对以HD银行服务创新为代表的传统银行业经营模式在信息科技条件下的不足与挑战做了阐述,并通过理论联系实际,分别在制度建设、人才战略和信息技术等方面对提高HD银行服务创新能力提出了建议。
[Abstract]:The city commercial bank is built on the basis of the city credit cooperative, its overall scale increases rapidly year by year, now it has become an important part of the financial industry of our country. In recent years, due to the combined effect of macro-factors such as the downward pressure of our country's economy and the comprehensive liberalization of the upper limit of deposit interest rate, the competition of the banking industry is becoming more and more intense, which puts forward a new difficult problem for the sustainable development of the city commercial banks in our country. City commercial banks are in a more disadvantageous position in the same trade competition due to their geographical limitation and small asset scale. Therefore, it is more important to study how to improve the competitiveness of city commercial banks. HD bank is a city commercial bank established in the reform tide of urban credit cooperatives, which has similar historical background and typical characteristics to the general city commercial banks. Therefore, the case study of HD banking service innovation can help the city commercial banks to enhance their competitiveness. This paper takes the HD bank service innovation case as the research object, first introduces the basic situation and the management situation of the HD bank. Take 2013 as the node, reflect the main indicators of HD bank's operating condition, such as scale growth, bad rate and poor profitability. In order to break through the predicament of growth, HD Bank finally thinks that it is feasible to start with the innovation of service mode and mode. Therefore, taking 2013 as the starting point and A sub-bank as the innovation pilot bank, two major service innovation activities were mainly carried out, and a new "micro-loan center" was set up to carry out small and micro loan business. From the operational indicators, we can find that the daily average business volume of branch A has increased significantly, regardless of the amount of deposits. This shows that the two service innovation strategies of HD Bank are effective, and it is necessary to analyze the reasons for the effectiveness. This paper studies the internal mechanism of HD bank service innovation from four aspects: concept innovation, service interface, organization innovation and technology. Then, the paper expounds the shortcomings and challenges of the traditional banking management mode, which is represented by the innovation of HD banking services, under the condition of information technology, and combines theory with practice, respectively in the system construction. This paper puts forward some suggestions on how to improve the innovation ability of HD bank service in the aspects of talent strategy and information technology.
【学位授予单位】：河北金融学院
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33

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