【作者】 赖勇；

【导师】 李良；

【作者基本信息】 西南交通大学 ， 工商管理（专业学位）， 2013， 硕士

【摘要】 我国商业银行的个人银行业务正经历从传统网点向自助银行迁移的历史阶段。各商业银行为适应激烈的市场竞争,都加强了自助银行与传统网点的建设。但如何在自助银行和传统网点之间分配有限的资源,以满足客户金融服务的需求,从而争取优质客户,并在竞争中取得优势,就必须对商业银行的自助银行和传统网点的发展策略进行研究。本文分析商业银行的自助银行与传统网点的历史与现状,对两者所能实现的业务功能进行了分析和对比,提出了两者业务功能发展策略的侧重点。本文也分析了自助银行和传统网点的选址、建设成本与效益。传统网点的建设成本和运行成本逐年上涨,以人工完成简单的金融交易已不适合形势的需要,应将简单业务操作交由自助银行来完成。各大商业银行自助银行的数量和增速都远远超过了传统网点的情况下,两者的管理模式也应采用不同的发展策略。随着信息技术和网络技术的发展,传统网点的发展策略表现为业务重点转为高增值、个性化服务,将简单业务操作交由自助银行来完成。自助银行的发展策略为逐步取代现有传统网点的业务功能,而且随着VTM (Virtual Teller Machine)的出现,自助银行也能初步给客户提供个性化服务。因此,自助银行呈现出全面取代传统网点的趋势。本文在论述过程中,引用了四川德阳A银行自助银行及传统网点的运营数据,对影响传统网点向自助银行过渡的组织机构、业务流程提出了改进策略。本文对于银行机构个人银行业务向从传统网点向自助银行过渡的策略选择有普遍的参考意义和指导作用。更多还原

【Abstract】 The personal banking business is in the historical period of the transition from traditional channel to electronic in our country. All the commercial banks enhance the construction of self-service banking and traditional bank outlets to adapt the drastic market competition. But how to distribute the limited resource between self-service banking and traditional branches to satisfy the customers’demand of financial service, then strive for high quality customers, get a good hand in the competition, we must research on the developing strategy of self-service banking and the traditional bank outlets.This paper analyses the history and current situation of commercial bank’s self-service banking and traditional bank outlets, then the business functions are analyzed and compared.It puts forward the development strategy of these two. The paper also analyses the location, construction costs and benefits of self-service banking and traditional bank outlets. The cost of construction and operation of traditional bank outlets rises year by year.It is not suitable for the situation to complete simple financial transactions by hand.These transactions should be simple operated by the self-service banking to complete. The quantity and growth rate of each large commercial bank’s self-service banking are far more than those of the traditional bank outlets.They also should adopt different development strategies of management mode for these two.With the development of information technology and network technology, development strategy of traditional bank outlets performance for the business focus to high value-added, personalized service.At the same time, simple transactions should be compelted operation by the self-service banking. It’s the development strategy for self-service banking to gradually replace service function of the existing traditional bank outlets.With appearance of the VTM (Virtual Teller Machine), self-help banking can provide customers with personalized service. Therefore, it shows the trend for the self-service banking to replace traditional bank outlets.In the process of discussion,this paper also refers to the operation data of self-service banking and traditional bank outlets of Sichuan Deyang A bank, and puts forward the improving strategies of organizations and business processes which influence the transition from traditional bank outlets to self-service banking. This paper possesses universal significance and guidance for commercial banks to transfer personal banking business from tradional bank outlets to self-service banking.更多还原