【作者】 万敏；

【导师】 郑长军；

【作者基本信息】 华中科技大学 ， 会计硕士（专业学位）， 2019， 硕士

【摘要】 近年来,我国经济增速持续放缓,国内经济发展已经由过去的高速发展期进入新的经济拐点。与此同时,我国银行业在日趋激烈的竞争中也逐渐由传统单一的业务模式,转向更为多元化服务模式。目前我国居民人均可支配收入大幅提高,拉动内需就成为我国在这一新经济环境下持续促进国内经济发展的重要推手,而在国内相对封闭的投资环境和落后的经济环境中,必将导致国内居民与银行为代表的金融机构密不可分,再加之国民固有的储蓄意识,银行业竞争中可谓趋于白热化。越来越多的国内居民也不再满足于过去银行传统单一的业务服务,这必将迎来新一轮的银行业转型升级。本文主要以农行A分行为例,研究在竞争日益激烈的金融形势下,商业银行实行战略转型的意义,同时针对转型中存在的问题,以及未来盈利方向的研究,提出增加盈利的合理化的建议。就农行A分行而言,本文首先对网点的现状和问题进行阐述,然后,针对商业银行的盈利模式和管理模式进行深入分析并讨论网点转型后A分行的发展趋势。最后针对转型后的网点提出合理化决策建议:建议营业网点尽可能的改善网点营业环境,增加抵御风险能力、完善和优化内部服务和外部营销渠道、同时多多开发一些其具有抵抗通货膨胀的金融产品、提高服务效率、加强对小微企业服务,打开新的盈利局面,拓宽盈利渠道。本文的主要内容和观点可以描述如下:第一部分为绪论,主要包括研究背景、研究目的和意义、国内外研究现状、研究思路和研究方法,然后在文章的第二部分和第三部分重点阐述商业银行的转型理论基础以及农行A分行的转型现状以及存在的问题,第四部分就农行A分行转型后的盈利方式进行研究,最后提出A分行在转型后的盈利提升策略以及结论。更多还原

【Abstract】 In recent years,China’s economic growth continues to slow down,domestic economic development has entered a new economic inflection point from the past high-speed development period.At the same time,China’s banking industry in the increasingly fierce competition is also gradually from the traditional single business model,to a more diversified service model.At present,China’s per capita disposable income increase,stimulating domestic demand has become our country under the new economic environment continues to important driving force to promote the development of domestic economy,and in the domestic investment environment of relatively closed and backward economy,will lead to domestic residents represented by financial institutions are inseparable with the bank,plus inherent national saving consciousness,the banking competition hots up.More and more domestic residents are no longer satisfied with the traditional banking services,which will usher in a new round of banking transformation and upgrading.This article mainly takes agricultural bank of China branch A as an example to study the significance of strategic transformation of commercial Banks in the increasingly competitive financial situation.At the same time,it puts forward reasonable Suggestions to increase profits in view of the existing problems in the transformation and future profit direction.As for agricultural bank of China branch A,this paper first describes the current situation and problems of branches,and then makes an in-depth analysis and discussion on the development trend of branch A after the transformation of branches according to the profit model and management model of commercial Banks.Finally based on network rationalization decision-making Suggestions after transformation: the suggestion outlets as far as possible to improve the network business environment,increase the risk of resist ability,improve and optimize the internal services and external marketing channel,and develop some of its resistance to inflation of financial products,improve service efficiency,strengthen the small micro enterprise service,open up new profit situation,widen the channel of the profit.The main content of this paper and points of view can be described as follows: the first part is introduction,mainly includes the research background,research purpose and significance,research status,research ideas and research methods at home and abroad,and then in the second part of the article and the third part focuses on the transition theory foundation of commercial Banks and the transformation of ABC A branch current situation and existing problems,and the fourth part is to study the way of profit after transformation of ABC A branch,finally puts forward A branch after the transformation strategy of earnings upgrades as well as the conclusion.更多还原