【作者】 李莹；

【导师】 董竹；

【作者基本信息】 吉林大学 ， 工商管理硕士（专业学位）， 2021， 硕士

【摘要】 邮政代理金融到目前为止仍没有一个准确的概念,是中国邮政集团公司使用现有邮政普遍服务网络,主要代理中国邮政储蓄银行、保险、理财、基金等个人金融业务。吉林邮政代理金融经过近几年快速发展,不论从市场占有率还是从收入占比都有着稳步提升。由于历史原因吉林邮政代理金融70%以上网点在县及县以下,吉林邮政县域代理金融是吉林邮政的木本业务、饭碗业务,吉林邮政县域代理金融能否健康的发展将直接对吉林邮政的持续发展起到决定性的作用。近些年我国的金融市场环境发生了一定的变化,各金融机构也都在紧跟形势,积极转型适应利率市场化,以求在新的竞争中夺取新的市场。吉林邮政面临着日益沉重地继续发展压力,不能仅考虑市场外部因素,还要考虑经营成本、营业利润和普遍服务,将管理及网点转型深入执行好,将“自营+代理”这种特有经营模式良性发展下去,以此来不断提升吉林邮政代理金融的市场占有率,将吉林邮政代理金融做好做大做强,实现金融业的“国家队”。回首吉林邮政代理金融的发展过程,吉林邮政县域代理金融近几年发展迅速,分析目前吉林邮政县域代理金融的现状,利用文献分析法、个案研究法和描述性统计分析法研究发现吉林邮政县域代理金融目前主要问题为管理支撑弱、网点环境欠佳、自助设备陈旧、专业营销队伍薄弱等人力资源管理问题。对以上问题产生原因进行分析,找到问题症结所在,并利用PEST分析吉林邮政县域代理金融所处的外部环境进行分析,客观的对内部环境进行调研并找到存在问题,进而利用SWOT分析明确发展战略。本文主要通过文献分析法参阅相关战略运营管理著作、期刊、论文等文献,找到目前存在的问题,通过描述性统计法进一步找到吉林省县域金融的状况、趋势及规律,进而结合业务发展现状和问题、战略环境、战略制定及实施进行详细分析,制定县域代理金融发展的战略目标:一是持续推进新零售转型。二压降低效资本占用。三是科技赋能转型发展。四是优化管理机制。确定吉林邮政县域代理金融发展方向:一是优化配置,提高资金使用效能,突出高效业务,突出转型升级,加大投入,推动企业提质增效。二是从“做银行”向“做生态”转变。三是由“单一产品销售”向“综合资产配置”转型。四是由传统营销向科技赋能精准营销转变。五是向产业金融要价值创造。在转型发展方面提出策略,一是抓好储蓄“压舱石”业务高质量发展。二是四端发力,推动高效中间业务转型发展。三是搭建场景,持续做大非息业务收入规模。四是理念引领,推进金融网点银行化转型。以此将吉林邮政县域代理金融做强、做大、做优。更多还原

【Abstract】 So far,there is no accurate concept of postal agency finance.Postal Agency finance is used by the China Post to represent part of the personal financial business of the Postal Savings Bank of China,the main agent of banking,insurance,financial management,funds and other financial services.After the fast-growing of Jilin Post Agency finance in recent years,both its market share and its income share have steadily increased due to historical reasons,more than 70% of Jilin post agency finance outlets are located at or below the county level,as the wooden business and rice bowl project of Jilin Post,the development of county agency finance of Jilin Post is very important for the long-term development of Jilin Post.With the continuous process of the financial market,all financial institutions are following the situation,actively adapt to the interest rate marketization,in order to win the new market in the new competition.Jilin post is faced with increasingly heavy pressure to continue its development.It can not only consider external factors in the market,but also consider operating costs,operating profits and universal services,we will develop the special operation mode of "self-operation + agency",so as to improve the market share of Jilin Postal Agency finance,make Jilin postal agency finance bigger and stronger,and realize the "national team" of financial industry.Looking back on the development course of Jilin Post Agency finance,the county agency finance of Jilin Post has developed rapidly in recent years,but analyzing the present situation of Jilin Post Agency finance,by using the method of literature analysis,case study and descriptive statistical analysis,it is found that the main problems of the county agent finance in Jilin Post are the weak management support,the poor network environment,the old self-help equipment,the weak professional marketing team and so on.To analyze the causes of the above problems,find the crux of the problem,and use PEST analysis of Jilin Post County Financial Agency in the external environment for analysis,objective investigation of the internal environment and find the problems,then use SWOT analysis to make clear the development strategy.This paper mainly through the literature analysis method to refer to the related strategic Operation Management Work,the periodical,the paper and so on literature,unifies to find the present existence question,through the descriptive statistical method to find the situation,trend and law of county-level finance in Jilin Province,and then combined with the current situation and problems of business development,strategic environment,strategy formulation and implementation to carry out a detailed analysis,the development of county-level Financial Agencys strategic objectives: First,"do a good job in addition",continue to promote the new retail transformation.Second,"do reduction",reduce the cost-effective use of capital.Third,"make the best multiplication",the transformation and development of science and technology.Fourth,"strong division" to optimize the management mechanism.To determine the direction of the development of county-level agency finance in Jilin Post: First,to reduce high cabinets,to strengthen integration,to focus on financial management,to promote the transformation of network points.Second,set up the scene,do ecological,wide drainage,to achieve from "do bank" to "do ecological" change.The third is the transformation from "single product sales" to "comprehensive asset allocation".Fourth,strong science and technology,focus on the target,clear responsibility,from the traditional marketing to technology-enabled precision marketing change.Fifth,grasp the project,strong coordination,introduce demand,to industrial finance to create value.In the transformation and development of the proposed strategy,one is to do a good job savings "ballast" business quality development.Second,four-terminal development to promote the transformation and development of efficient intermediary business.Third,set up the scene,continue to increase the scale of non-interest business income.Fourth,the idea leads,advances the Financial Network Bank transformation.In this way,Jilin County Financial Agency will be stronger,bigger,better.County financial stability,Jilin Post Agency financial stability;financial strong,Jilin Post strong.更多还原