J银行南京分行网点管理的优化研究

发布时间：2018-11-08 17:40

【摘要】：银行营业网点是展示形象的窗口,是服务客户的纽带,是办理业务的平台,是营销产品的渠道。从一定的意义上讲,银行网点的营运模式、管理方式、业务功能、经营活力、发展水平都决定和影响着它所属企业的整体经营和管理,营业网点的重要性不言而喻。随着互联网金融的发展,特别是我国当下经济新常态的出现,对银行网点过去一些传统的管理模式和方法形成了强烈的冲击和挑战,要求传统银行积极应对,做出刻不容缓的改革与创新,以提升网点整体盈利能力。南京的金融市场竞争较为激烈,而J银行南京分行因为成立时间比较短,经过几年的发展,虽然银行网点的投入比较大,但是网点在单产方面始终收效甚微。本文以J银行南京分行网点管理现状况作为研究对象,从网点的功能定位、网点的空间布局、软硬件环境、服务效率等方面进行了分析,对比南京同业网点管理情况,指出J银行南京分行在网点管理中存在的问题:网点布局不够合理、功能定位过于宽泛、软硬件环境不够完美、服务水平亟待提升等。针对这些问题,分析了导致问题的原因:网点选址缺乏科学规划、网点功能定位期望过高、网点设计理念落后、人力资源配备不合理等。在此基础上提出了解决这些问题的对策建议:开展顶层设计,重新划分网点的类型;根据网点业务种类,调整内设机构和岗位;重塑网点环境,营造良好服务氛围;针对不同类型的网点,合理安排人员配置。希望通过对J银行南京分行网点管理的优化研究,为J银行南京分行的业务转型发展提供绵薄之力。本文的研究结论,对于提高国内银行,尤其是中小银行的网点管理优化工作具有一定指导意义和参考价值,以期为企业的发展形成助力。
[Abstract]:Bank outlets are a window for displaying image, a link for serving customers, a platform for dealing with business, and a channel for marketing products. In a certain sense, the operation mode, management mode, business function, business vitality and development level of the bank network all decide and influence the whole management and management of the enterprise to which it belongs, and the importance of the business network is self-evident. With the development of Internet finance, especially the emergence of the new normal of China's current economy, it has formed a strong impact and challenge to some traditional management models and methods in the past, which requires the traditional banks to respond positively. Make urgent reform and innovation, in order to enhance the overall profitability of the network. The financial market competition in Nanjing is more fierce, and the Nanjing branch of bank J has achieved little effect in unit production, although the investment of bank network is relatively large, because of the short time of its establishment and the development of several years. In this paper, the current situation of the network management of J Bank Nanjing Branch is taken as the research object. It analyzes the function orientation of the network, the spatial layout of the network, the environment of software and hardware, the service efficiency and so on, and compares the situation of the network management in Nanjing. This paper points out the problems existing in the branch management of J Bank Nanjing Branch: the distribution of branches is not reasonable, the function orientation is too broad, the environment of hardware and software is not perfect, and the service level needs to be improved urgently. In view of these problems, this paper analyzes the causes of these problems: the lack of scientific planning of site location, the high expectation of network function location, the backward concept of network design, the unreasonable allocation of human resources, etc. On this basis, the countermeasures and suggestions to solve these problems are put forward: carrying out the top-level design, reclassifying the type of network, adjusting the internal institutions and posts according to the type of network business, reshaping the network environment and creating a good service atmosphere; For different types of network, reasonable staffing arrangements. It is hoped that through the optimization of the network management of J Bank Nanjing Branch, this paper will provide a modest force for the business transformation and development of J Bank Nanjing Branch. The conclusion of this paper has certain guiding significance and reference value for improving the network management optimization of domestic banks, especially small and medium-sized banks, in order to help the development of enterprises.
【学位授予单位】：南京师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33;F274

【参考文献】