Lanzhou University of Finance and Economics. All
| 作者 | 魏怀兵 |
| 姓名汉语拼音 | weihuaibing |
| 学号 | 2015125100058 |
| 培养单位 | 兰州财经大学 |
| 电话 | 15352300909 |
| 电子邮件 | 398663480@qq.com |
| 入学年份 | 2015 |
| 学位类别 | 专业硕士 |
| 培养级别 | 硕士研究生 |
| 学科门类 | 管理学 |
| 一级学科名称 | 工商管理硕士(MBA) |
| 学科代码 | 1251 |
| 授予学位 | 管理学硕士 |
| 第一导师姓名 | 王学军 |
| 第一导师姓名汉语拼音 | wangxuejun |
| 第一导师单位 | 兰州财经大学 |
| 第一导师职称 | 教授 |
| 题名 | 青海农业银行经营网点转型方案研究 |
| 英文题名 | Research on the Transformation Plan of Qinghai Agricultural Bank's Operating |
| 关键词 | 青海农业银行 经营网点 转型方案 优化设计 |
| 外文关键词 | Qinghai Agriculture bank ; Business outlets ; Transformation plan ; Optimized design |
| 摘要 | 近些年来，随着移动互联网的快速发展，大数据、云计算等新一代信息技术的广泛应用，一方面金融行业迎来了黄金发展的时代，另一方面也对金融行业的经营模式提出了很大的挑战。银行网点作为银行与顾客之间直接接触的第一线，随着数字科技的发展，移动消费和支付的普及，消费者的消费习惯和消费模式发生了重大的变化，致使银行网点的业务量出现了下降的现象。加之城市商业银行、外资银行等竞争者不断涌入市场，传统大银行几家垄断市场的局面面临着巨大的挑战，经营状况出现了举步维艰的局面。所以在原有的经营模式、管理方式和硬件配置的情境下，新的环境和市场提出了新的挑战，即依靠客户主动到网点办理业务己经很难完成上级下达的业绩指标。因而银行网点转型成为了银行迎接挑战，持续获得竞争力的重要方式。 本文以青海农业银行网点为研究对象，首先对网点转型等核心概念及智能自助终端转型推广理论、网点转型减高增低理论、SWOT分析模型和波特五力竞争理论等进行梳理。其次对青海农业银行网点从经营现状分析、财务现状分析、SWOT分析和五力模型分析，提出了青海农业银行经营网点转型的方案设计：打造专业的人才队伍；推广智能自助终端转型；整合资源、降低成本；拓展新业务、增强竞争力。在此基础上，本文认为青海农业银行网点可从以下几个方面对网点转型提供保障。加强青海农业银行网点领导管理；健全青海农业银行网点管理架构和管理制度；创新技术、提供先进的设备保障；提供充足的资金保障。促进青海农业银行网点健康快速转型。 |
| 英文摘要 | In recent years, with the rapid development of the mobile Internet and the widespread application of new-generation information technologies such as big data and cloud computing, on the one hand, the financial industry has ushered in an era of golden development, on the other hand, it has also proposed the business model of the financial industry. A big challenge. Bank outlets are the first line of direct contact between banks and customers. With the development of digital technology and the popularization of mobile consumption and payment, consumers' consumption habits and consumption patterns have undergone major changes, resulting in the emergence of business volume at bank outlets The phenomenon of decline. Coupled with the continuous influx of competitors such as city commercial banks and foreign banks into the market, the monopolistic market situation of several traditional big banks is facing huge challenges, and the operating conditions are in a difficult situation. Therefore, in the context of the original business model, management method, and hardware configuration, the new environment and market pose new challenges, that is, relying on customers to proactively go to branches to handle business has been difficult to achieve the performance indicators assigned by superiors. Therefore, the transformation of bank branches has become an important way for banks to meet challenges and continue to gain competitiveness. This article takes the branches of Agricultural Bank of Qinghai as the research object, and first sorts out the core concepts such as branch transformation and the promotion theory of intelligent self-service terminal transformation, the theory of branch transformation, the SWOT analysis model and Porter's five-force competition theory. Secondly, from the analysis of operating status, financial status analysis, SWOT analysis and five-force model analysis of the branches of Qinghai Agricultural Bank, the design of the transformation of Qinghai Agricultural Bank's operating outlets is proposed: first, build a professional talent team; second, promote intelligent self-help Terminal transformation; third, integrate resources and reduce costs; fourth, expand new business and enhance competitiveness. On this basis, this article believes that the branches of Qinghai Agricultural Bank can provide guarantee for the transformation of branches from the following aspects. First, strengthen the leadership management of Qinghai Agricultural Bank outlets; second, improve the management structure and management system of Qinghai Agricultural Bank outlets; third, innovate technology and provide advanced equipment guarantee; fourth, provide sufficient capital guarantee. Promote the healthy and rapid transformation of the branches of Agricultural Bank of Qinghai. |
| 学位类型 | 硕士 |
| 答辩日期 | 2020 |
| 学位授予地点 | 甘肃省兰州市 |
| 页数 | 47 |
| 研究方向 | 营销管理 |
| 论文总页数 | 47 |
| 插图总数 | 8 |
| 插表总数 | 4 |
| 参考文献总数 | 36 |
| 馆藏号 | 0003998 |
| 保密级别 | 公开 |
| 中图分类号 | F203.9/778 |
| 文献类型 | 学位论文 |
| 条目标识符 | http://ir.lzufe.edu.cn/handle/39EH0E1M/30905 |
| 专题 | 兰州财经大学 |
| 作者单位 | 兰州财经大学-MBA中心 |
| 第一作者单位 | MBA教育中心 |
| 推荐引用方式 GB/T 7714 | 魏怀兵 . 青海农业银行经营网点转型方案研究 [D]. 甘肃省兰州市. 兰州财经大学,2020. |
| 条目包含的文件 | 下载所有文件 | |||||
| 文件名称/大小 | 文献类型 | 版本类型 | 开放类型 | 使用许可 | ||
| 青海农业银行经营网点转型方案研究.PDF（1308KB） | 学位论文 | 开放获取 | CC BY-NC-SA | 浏览 下载 | ||
| 个性服务 |
| 查看访问统计 |
| 谷歌学术 |
| 谷歌学术中相似的文章 |
| [魏怀兵 ]的文章 |
| 百度学术 |
| 百度学术中相似的文章 |
| [魏怀兵 ]的文章 |
| 必应学术 |
| 必应学术中相似的文章 |
| [魏怀兵 ]的文章 |
| 相关权益政策 |
| 暂无数据 |
| 收藏/分享 |
除非特别说明，本系统中所有内容都受版权保护，并保留所有权利。
修改评论