辽宁大洼农村商业银行传统网点转型影响分析

目录

摘要.................................................................................................................... I Abstract..................................................................................................................... II 引言. (1)

1 辽宁农商银行传统网点转型现状 (3)

1.1 辽宁农商银行传统网点转型现状 (3)

1.2 辽宁大洼农村商业银行传统网点转型现状 (4)

2 辽宁农商银行传统网点转型发展存在的问题 (7)

2.1营业网点服务设施相对落后 (7)

2.2银行理财产品较为单一 (7)

2.3能提供专业服务的人员严重不足 (8)

3 辽宁农商银行传统网点转型问题的解决对策 (10)

3.1及时更新和完善科技设施，提高服务质量 (10)

3.2不断推出有针对性的多种理财产品 (10)

3.3打造高素质的网点服务人员 (11)

结论 (12)

参考文献 (13)

致谢 (15)

摘要

近几年，国内金融市场不断发生变化，发展的迅速、竞争的激烈、需求的增多等形式不断出现，金融模式不断的创新，理财方式不断的进步，给传统银行带来不小的冲击。在我国金融体系中农村金融改革已成为人们关注的重点，农村商业银行作为其中最主要的支柱受到了不小的影响。研究农商银行的发展现状，发现其中的问题并给出解决问题的措施，对其发展趋势有重要意义。这篇文章以辽宁大洼农商银行为例，研究部分地区农商银行的发展状况。在调查过程中发现辽宁大洼农商银行网点建设中出现网点服务设施落后、理财产品研发受到限制、技术服务人员短缺等问题。在提倡经济新常态的发展下银行业不断扩张分支机构，网点建设是否受到广大银行客户的喜爱是银行目前关注的重点。因此本文对辽宁大洼农商银行网点功能、网点建设、网点岗位等诸多地方给出了解决对策。一线网点建设是农商银行最基础组织细胞，打好基础建设才能构建上层建筑。金融脱媒和市场利率化不断发展，移动互联网金融技术日益剧增，网点建设是农商银行夯实基础，提高核心竞争力是同行业竞争中脱颖而出的重要源泉，为满足市场化的需要农商银行网点转型是刻不容缓的。

关键词：农商银行；网点转型；农村金融

Abstract

In recent years, the domestic financial market has undergone continuous changes, the rapid development of fierce competition and the increasing demand for continuous emergence. The continuous innovation of financial models and the continuous improvement of financial management methods have brought great impact to traditional banks. Rural financial reform has become the focus of people's attention in China's financial system, and rural commercial banks have been affected as the most important pillar. Studying the development status of Rural Commercial Bank, discovering the problems and giving solutions to the problems are of great significance to its development trend. This article takes Liaoning Dawa Rural Commercial Bank as an example to study the development of rural commercial banks in some regions. During the investigation, problems such as backward service facilities of the network, restricted research and development of wealth management products, and shortage of technical service personnel were found in the construction of the network of Liaoning Dawa Rural Commercial Bank. With the promotion of the new normal economic development, the banking industry continues to expand its branches, and whether the construction of outlets is loved by the majority of bank customers is the bank's current focus. Therefore, this article gives solutions to the functions, outlet construction and outlet positions of Dawa Rural Commercial Bank in Liaoning. The construction of the first-line outlets is the most basic organizational cell of Rural Commercial Bank. Financial disintermediation and market interest rates continue to develop, mobile Internet financial technology is increasing rapidly, and the construction of outlets is an important source for rural commercial banks to lay a solid foundation to improve their core competitiveness in the same industry competition. The transformation of bank outlets is urgent.

Keywords: rural commercial bank; outlet transformation; rural finance