黑龙江省农业银行营业网点转型研究-企业管理专业论文.docxVIP

Classified Index: F832.2 U.D.C: 790 Dissertation for the Master Degree in Management NETWORK REFORMING OF CHINA AGRICULTURAL BANK HEILONGJIANG BRANCH Candidate: Ding Hongli Supervisor: Associate Prof. Cheng Yanjiang Academic Degree Applied for: Master Degree of Management Specialty: Business Administration Affiliation: Agricultural Bank of China Heilongjiang Branch Date of Defense: June，2009 Degree-Offering-Institution: Harbin Institute of Technology 摘 要 面对 2007 年国内金融业的全面开放，零售业务逐步成为农业银行的战略选 择，银行网点再一次成为最重要的销售渠道，为了满足客户的需求和提高客户 的满意度，中国农业银行黑龙江省分行充分意识到网点转型的重要性，并开始 在全省范围内实施网点转型。本文研究的目的旨在通过对中国农业银行黑龙江 省分行营业网点经营管理现状的剖析，就其所存在的问题和弊端进行深入研究， 从而提出具有可操作性的解决方法和合理化建议。 本文在引述评析“银行再造”、“新网点主义”、“网点转型”等思想理念和 国内外银行网点转型实践经验的基础上，结合黑龙江省农行的实际情况提出黑 龙江省农行应从理念转型、功能转型、服务转型、营销转型、管理转型等方面 进行银行网点转型规划。为了促进黑龙江省农行营业网点从“交易型”向“营 销服务型”转变，本文分析了省农行网点经营管理现状和存在的问题，并提出 了省农行网点转型的具体内容和要达到的目标，制订了网点转型总体实施方案， 并针对网点物理改造、人员配置、流程改进、网点精神和测评体系等问题提出 具体的实施方案，从而确保银行网点在理念转型的前提下和物理改造升级的基 础上顺利实施服务的转型、营销的转型和管理的转型。本文还对首批 44 家试点 网点的转型工作进行了成果评估，并提出了下一步工作重点。 关键词：中国农业银行黑龙江省分行 银行网点 网点转型 Abstract In the face of the whole open of home finance market in 2007, retail banking gradually becomes the strategic choice of Agricultural Bank of China, while bank network becomes the most important marketing channel again. In order to meet consumer demand and to improve customer satisfaction, Agricultural Bank of China Heilongjiang branch has been fully awake to the importance of network reforming, and has launched this program in the province wide. The purpose of this thesis is to propose some reasonable and practical suggestions to carry out smoothly network reforming program, by analyzing the current operate situation and problems in Agricultural Bank of China Heilongjiang branch. Based on citing and appraising “Bank Reengineering”, “New Network System” and “Network Reforming”, this thesis brings forward a network reforming plan from philo