许昌学院学生择行蓄研究毕业论文.docxVIP

本科生毕业论文许昌学院学生择行储蓄研究院 系　 管理学院 专 业　 工商管理 独 创 性 声 明本人郑重声明：所呈交的毕业论文是本人在指导老师指导下取得的研究成果。除了文中特别加以注释和致谢的地方外，论文中不包含其他人已经发表或撰写的研究成果。与本研究成果相关的所有人所做出的任何贡献均已在论文中作了明确的说明并表示了谢意。签名： 　　　　　　　　　　　　　　　　　　　年　　月　　日授权声明本人完全了解许昌学院有关保留、使用本科生毕业论文的规定，即：有权保留并向国家有关部门或机构送交毕业论文的复印件和磁盘，允许毕业论文被查阅和借阅。本人授权许昌学院可以将毕业论文的全部或部分内容编入有关数据库进行检索，可以采用影印、缩印或扫描等复制手段保存、汇编论文。本人论文中有原创性数据需要保密的部分为：签名：　　　　　年　　月　　日指导教师签名：　　　　　　　　　　　　　　　　　　　年　　月　　日许昌学院学生银行选择行为研究摘 要随着金融市场逐渐发育成熟，我国商业银行竞争日趋白热化，可谓百家争鸣、百花齐放。数量庞大的个体消费者有着巨大的潜力，成为各家银行争夺的目标。高校是充满年轻前卫气息的地方，大学生有着具有群体特点的行为习惯，大学生的银行选择行为研究目前还不多。本文经过问卷调查和学生访谈解释了许昌学院学生的银行卡使用现状和选择行为的因素及其重要程度。本文还通过马斯洛需求层次理论从心理学角度阐释了我校大学生银行选择行为的需求动机。研究表明：我校学生在选择银行时，特别重视工作人员的服务态度和办事效率，看重营业网点和ATM的便利性，比较在意各种费用。最后，论文还点明了研究不足之处，针对同学们的反馈提出了银行改进服务提高竞争力的建议。关键词：银行选择行为；许昌学院；个体客户；需求层次理论?AbstractWith the well maturing development of the financial market, the competition between the business banks had become growing in China. It canbe summarized as a well developed business market in financial banking field. The vast market which made of the many individual customers had become the key point of the competition between the business banks. High ranked campus is a fashion area, that caused the students in campus have some collective action habits. There are just few researches about the selection of campus students banking. This report will represent the credit card using situation and analysis the impacts facts of the selection among the XuChang campus students. The research is based on the questionnaire survey and the Maslows hierarchy of needs. The research had obviously showed three key points: firstly, the campus students used pay attention to the service attitude of the consumer services and their service efficiency. Secondly, the sales work point and convenience of ATMs also became a factor which drew their attention because the used care about the fees. Finally, the report had also showed the disadvantages of the research. Based on the reviews from the students, the