【作者】 佟欣；

【导师】 刘彦文；

【作者基本信息】 大连理工大学 ， 工商管理（专业学位）， 2020， 硕士

【摘要】 当前,全球数字化技术革命变换莫测,金融业始终面临来自经济方面、行业方面、市场方面的革命性变化,形势日益复杂,挑战愈加严峻。从银行业来看,数字技术革命进步飞快,客户对金融产品的需求也发生变化,同业之间的竞争格局不断重塑,全球银行业迎来前所未有的巨变,转型已经成为银行业竞争发展的关键转折点,每家银行都面临何去何从的战略抉择。近几年A银行网点转型工作在逐步深入推进之中,经过几年来的努力,转型效益已经逐步显现,但仍无法满足当前高速发展的科技进程。客户对金融业务需求发生巨变,银行业不再是传统的竞争模式,全球银行业迎来数字化金融新革命,数字化转型已经成为银行业竞争发展的关键转折点,每家银行都面临何去何从的战略抉择。在这种时代背景下,研究A银行营业网点转型是非常有必要的。基层营业网点作为银行面向客户的第一道门,如何在满足客户办理业务需求的同时迎接数字化科技转型带来的挑战是亟待考虑的问题。本文从A银行基层营业网点着手,全面总结和挖掘近年来A银行网点转型的成效和经验,围绕进一步提升网点竞争力的总体要求,寻找A银行网点转型升级的路径和方式,提升网点竞争力。本文将采用理论与实证相结合的研究方法,对A银行营业网点业务转型升级做出了研究。主要分析了A银行营业网点转型升级的必要性和现实意义及现有转型成功,概况了A银行转型的主要内容,采用比较分析方法,将A银行与其他先进银行对比,分析了它们网点转型的背景、所采取的主要方法、取得的主要成就以及存在的主要问题,为A银行营业网点业务转型的改进提供了有益的启示和借鉴。更多还原

【Abstract】 At present,the global digital technology revolution changes unpredictably,and the financial industry has always been faced with revolutionary changes from the aspects of economy,industry and market.The situation is increasingly complex and the challenges are more and more severe.From the perspective of the banking industry,the rapid progress of digital technology revolution,customers’ demand for financial products has also changed,the competition pattern between peers has been constantly reshaped,the global banking industry has ushered in unprecedented changes,transformation has become a key turning point in the competitive development of the banking industry,and each bank is faced with the strategic choice of where to go.In recent years,the transformation work of bank a outlets is gradually in-depth promotion.After several years of efforts,the transformation benefits have gradually emerged,which has greatly promoted the sound and rapid development of retail business of the whole bank.With the in-depth promotion and consolidation of network transformation,transformation and upgrading has become an urgent issue for us to consider.In this context,it is necessary to study the transformation of Bank A’s business outlets.As the first door for banks to face customers,how to meet the needs of customers and meet the challenges brought by digital technology transformation is an urgent problem to be considered.This paper starts from the grass-roots business outlets of bank a,comprehensively summarizes and excavates the achievements and experience of Bank A’s network transformation in recent years,and focuses on the overall requirements of further improving the competitiveness of bank a outlets,looking for the path and way of transformation and upgrading of bank a outlets,so as to enhance the competitiveness of bank a outlets.This paper mainly analyzes the necessity and practical significance of the transformation and upgrading of Bank A’s business outlets,as well as the success of the existing transformation,and summarizes the main contents of the transformation of bank A.by using the method of comparative analysis,the paper compares bank a with other advanced banks,and analyzes the background,main methods,main achievements and main problems existing in the transformation of business outlets of bank a The improvement of transformation provides useful enlightenment and reference.更多还原