中国邮政储蓄银行发展战略研究

发布时间：2018-06-17 06:40

本文选题：邮政 + 邮储　；参考：《华中科技大学》2012年硕士论文

【摘要】：中国邮政储蓄银行从国家邮政的邮政储汇局体制改革脱胎而出，被批准成为中国邮政储蓄银行股份有限公司，作为中国邮政集团公司下属的全资控股的子公司之一，这一点是和其他大型商业银行存在着很大的区别。本文从研究邮储银行的外部环境和内部环境着手，剖析了邮储银行在市场竞争中的优势和劣势，机遇与挑战。然后，通过理论分析，重视发挥邮储银行自身的优势、尽力弥补劣势的不足为出发点，得出邮储银行的战略定位，通过管理转型、经营服务转型、流程再造、业务战略和错位经营等措施，在实现邮储银行持续健康发展和综合能力得到提升的情况下，和邮政集团实现资源共享，从而最大化邮银的整体利益是本文所研究的重点。邮储银行具有无可比拟的全方位多覆盖的网点资源优势，百年邮政也赋于邮储银行的先天信誉优势，而且没有不良资产的历史包袱，更有着一支作风朴实、扎根城乡、勤勉尽职的员工队伍资源；但是同时也存在着许多需要改进和完善的劣势，比如抵御各类风险的能力比较薄弱、业务发展的品种和质量还不是很全面、经营人员的素质与所需的职业技术水准难以达到现代商业银行所需要的素质标准，在人力资源方面的专业人才匮乏而且员工结构不合理、营业网点的建设环境和服务功能有待改善，对员工的激励约束机制不够科学合理等，这些都在一定程度上限制了邮政储蓄银行向大型的零售商业银行转变的步伐，，由于邮储银行的产生至今仍然可以说是一件新生事物，所以在它的发展模式和方向以及开发和应用的管理经验上来讲，不可能有太多的经验可以学习和运用。因此，根据邮政储蓄银行总行提出的战略规划，在此基础上，怎样建立相应的业务层的战略和职能层的战略并实施，实现向大型零售商业银行的转型就格外值得重视。
[Abstract]:The Postal savings Bank of China emerged from the reform of the postal storage and exchange bureau of the State Post and was approved to become the China Post savings Bank Co., Ltd., as one of the wholly owned subsidiaries of the China Post Group Company. This is very different from other large commercial banks. This paper analyzes the advantages and disadvantages, opportunities and challenges of the Postal savings Bank in the market competition from the study of the external and internal environment of the Postal savings Bank. Then, through theoretical analysis, attach importance to giving play to the advantages of Postal savings Bank, try to make up for the disadvantages as the starting point, draw the strategic positioning of the Postal savings Bank, through management transformation, business service transformation, process reengineering, Business strategy and misplacement management, under the condition of realizing the sustainable and healthy development of Postal savings Bank and the promotion of comprehensive ability, and the sharing of resources with Postal Group, thus maximizing the overall benefit of Postal Bank is the key point of this paper. The Postal savings Bank has the unparalleled advantage of all-directional and multi-coverage network resources, and the century-old postal service also gives the postal savings bank the innate credit advantage, and there is no historical burden of non-performing assets, and it has a simple style of work, which is rooted in the urban and rural areas. Diligent and dedicated workforce resources; however, there are many disadvantages that need to be improved and improved, such as weak ability to withstand various risks, and the variety and quality of business development is not very comprehensive. The quality of management personnel and the required professional and technical standards are difficult to meet the quality standards required by modern commercial banks, the professional personnel in human resources are scarce and the structure of employees is unreasonable. The construction environment and service functions of business outlets need to be improved, and the incentive and restraint mechanism for employees is not scientific and reasonable. To a certain extent, these have restricted the pace of transformation from postal savings banks to large retail commercial banks. Since the emergence of Postal savings Bank can still be said to be a new thing, it is impossible to learn and apply too much experience in its development mode and direction, as well as in the management experience of development and application. Therefore, according to the strategic plan put forward by the head office of Postal savings Bank, how to establish and implement the strategy and function level of the corresponding business level and realize the transition to a large retail commercial bank is especially worthy of attention.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.3

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