Q银行青岛市分行网点布局优化研究

发布时间：2019-07-09 20:00

【摘要】：在移动互联的新时代,物理网点仍是银行发展和维系高价值目标客户的主渠道,是其服务客户、销售产品的主阵地,是银行经营发展的基础性、战略性核心资源。近年来,随着金融科技公司兴起以及互联网巨头对金融领域的扩展,银行客户的行为预期显著改变,商业银行面临着竞争与挑战前所未有。在此环境下,如何优化网点布局,如何高效的运用线下渠道来巩固自身优势、赢得更多的客户资源,进而提升自身竞争力对于商业银行意义重大。本论文从同业数据对比分析、网点密集性以及行内兄弟行数据对比分析三个角度分析了 Q银行青岛市分行在网点布局优化中存在的问题,总结了其网点布局与区域资源禀赋匹配性落后同业、内耗严重区和网点空白区众多、低效网点占比较高、网点业态结构不尽合理等问题。在此过程中,论文探索提出了低效网点模型,从效益、成长性、业务特点、服务客户价值、修正因素五个维度对网点进行评价。在此基础上,本论文提出了网点布局优化的目标、依据,明确了网点布局优化思路,提出了构建一套宏观网点总量与结构规划测算、中观经济潜力区域划分分析、微观网点选址量化模型在内的网点布局优化体系。依据上述思路及模型,本论文明确了Q银行青岛市分行"稳中有降"、"加快推进轻型化网点建设步伐"的网点布局优化基调,深入分析了该行重点区域、重点网点的实际情况,提出了涵盖网点撤并、迁址、网点业态调整在内的Q银行青岛市分行网点布局优化具体建议,并论述了网点布局优化中的实施措施等,以期通过此优化,降低Q行青岛市分行网点布局与金融资源分布的错配率,促使该行形成多层次、立体化的物理网点布局,切实提高Q银行青岛市分行营业网点市场竞争力。
[Abstract]:In the new era of mobile interconnection, physical network is still the main channel for banks to develop and maintain high-value target customers, the main position for them to serve customers and sell products, and the basic and strategic core resources for bank management and development. In recent years, with the rise of financial technology companies and the expansion of the financial sector by Internet giants, the behavior expectations of bank customers have changed significantly, and commercial banks are facing unprecedented competition and challenges. In this environment, how to optimize the network layout, how to efficiently use offline channels to consolidate their own advantages, win more customer resources, and then improve their competitiveness is of great significance to commercial banks. This paper analyzes the problems existing in the optimization of network layout in Qingdao Branch of Q Bank from three angles: the comparative analysis of peer data, the density of nodes and the data of brothers in the line, and summarizes the problems in the optimization of network layout in Qingdao Branch of Q Bank, which are backward in the matching of network layout and regional resource endowment, large in internal friction area and dot blank area, high in low efficiency network, unreasonable in network structure and so on. In this process, the paper explores and puts forward the inefficient dot model, which evaluates the network from five dimensions: benefit, growth, business characteristics, customer service value and correction factors. On this basis, this paper puts forward the goal of dot layout optimization, according to which, it clarifies the idea of dot layout optimization, and puts forward a set of network layout optimization system, such as the calculation of macro dot total amount and structure planning, the division and analysis of meso economic potential region, and the quantitative model of micro dot location. According to the above ideas and models, this paper clarifies the optimization tone of the network layout of Q Bank Qingdao Branch, "speeding up the pace of promoting the Construction of Light weight Network", deeply analyzes the actual situation of the key areas of the bank and key points, and puts forward some concrete suggestions for the optimization of the network layout of Q Bank Qingdao Branch, including the merger, relocation and adjustment of the network form. This paper also discusses the implementation measures in the optimization of network layout, in order to reduce the mismatch rate between the network layout and financial resources distribution of Q bank Qingdao branch, promote the bank to form a multi-level and three-dimensional physical network layout, and effectively improve the market competitiveness of Q bank Qingdao branch business network.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33

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