浅谈金融产品分销渠道的设计与管理（Design and management of financial product distribution channels）.doc

浅谈金融产品分销渠道的设计与管理（Design and management of financial product distribution channels） Work research Og LOCAL DEVELOPMENT Department is small and medium-sized enterprises, according to their own characteristics, borrow A practice of helping large enterprises to improve their channel advantages Cases. (four) environmental characteristics This refers to the external factors that affect the choice of distribution channels Mainly refers to the political, legal factors, social Economic development and the complementarity of financial institutions and their products Competition with the industry and so on, these are financial enterprises Major constraints on the establishment and management of distribution channels. Two, the design of financial products distribution channels (I) design principles for distribution channels of financial products 1, safe and efficient The design of the distribution channel of financial products should be based on consumption Demand oriented, and strive to improve distribution efficiency and reduce Distribution costs, competition time and price advantage. And security is more important to the financial sector, especially the banking sector The characteristics of its own business operations have to consider the primary Principle。 2, cost minimization There are two types of distribution channels: one is the channel The investment cost of development; two is to keep the channel unblocked Maintenance costs, including the maintenance of the companys own sales force Direct expenses and profits paid to middlemen Or gratuity. Cost is an important factor affecting profits This pursuit cost minimization often becomes an enterprise consideration Important principles in the design of distribution channels. 3, consistent with enterprise goals Corporate goals mainly include corporate image and production Market coverage, market share plan, The companys willingness to control distribution channels. Distribution canal The design of the road must be consistent wi