MBA教育中心知识库

摘  要

    在当前银行业竞争激烈的背景下，人才是决定成败的关键因素。员工培训作为提升人才竞争力的有效方式，对商业银行的长期发展起着至关重要的作用。而基层员工作为商业银行的前线力量，其综合素质直接影响银行的形象与目标实现。因此，如何有效组织基层员工培训，提高培训质量与效率，增强其业务能力和综合素质，已成为商业银行亟需深入研究的重要课题。

    作为县域金融的重要力量，RN农商银行坚持“面向三农、面向小微经济、面向市场经济”的定位，始终占据县域经济主要地位。然而，由于网点和基层员工众多，且长期扎根农村，服务三农，工作环境使得他们会忽视服务礼仪和营销技巧，导致客户流失。因此，为更好适应社会经济的快速发展和多元化金融市场的竞争需求，RN农商银行亟需加强基层员工培训，提升综合素质、服务礼仪及业务技能。

    本文以RN农商银行基层员工为研究对象，依据培训的概念和相关理论，介绍了RN农商银行的发展状况和基层员工培训现状，并通过文献分析和问卷调查方法搜集相关数据。从培训课程、培训讲师、培训管理、培训效果四个方面出发，结合问卷调研结果，分析基层员工培训体系中存在的问题及其原因，随后提出有针对性的优化对策，并从制度、组织、人员三方面提出培训体系的保障措施。本文通过优化RN农商银行基层员工培训体系，增强基层员工培训效果，提升基层员工业务能力，加大银行竞争力，也为其他县域金融机构基层员工培训体系的构建与完善提供了可行性参考和有益借鉴。

Abstract

    In the current fiercely competitive banking industry, talent is the key factor determining success or failure. Employee training, as an effective way to enhance talent competitiveness, plays a crucial role in the long-term development of commercial banks. As the front-line force of commercial banks, the comprehensive quality of grassroots employees directly affects the bank's image and goal achievement. Therefore, how to effectively organize training for grassroots employees, improve training quality and efficiency, enhance their business capabilities and comprehensive qualities has become an important issue that commercial banks urgently need to study in depth.

    As an important force in county-level finance, RN Rural Commercial Bank adheres to the positioning of "facing agriculture, rural areas and farmers, small and micro economy, and market economy", and has always occupied the main position in county-level economy. However, due to the large number of branches and grassroots employees, who have long been rooted in rural areas and serve agriculture, rural areas, and farmers, the working environment makes them neglect service etiquette and marketing skills, leading to customer loss. Therefore, in order to better adapt to the rapid development of the social economy and the competitive demands of diversified financial markets, RN Rural Commercial Bank urgently needs to strengthen the training of grassroots employees, improve their comprehensive quality, service etiquette, and business skills.

    This article takes the grassroots employees of RN Rural Commercial Bank as the research object, introduces the development status and training status of RN Rural Commercial Bank based on the concept and relevant theories of training, and collects relevant data through literature analysis and questionnaire survey methods. Starting from the four aspects of training courses, training instructors, training management, and training effectiveness, combined with the results of questionnaire surveys, this paper analyzes the problems and reasons in the training system for grassroots employees, and then proposes targeted optimization measures, and puts forward guarantee measures for the training system from the aspects of system, organization, and personnel. This article optimizes the training system for grassroots employees of RN Rural Commercial Bank, enhances the training effectiveness of grassroots employees, improves their business capabilities, and enhances the bank's competitiveness. It also provides feasible and beneficial references for the construction and improvement of grassroots employee training systems in other county-level financial institutions.