金融新常态下商业银行渠道建设管理研究

发布时间：2018-06-16 21:09

本文选题：金融新常态 + 商业银行　；参考：《金融发展研究》2015年09期

【摘要】：经济发展新常态必然伴随金融发展新常态,渠道构成了商业银行核心竞争力的重要内容。互联网金融的快速发展,正在改变着银行业渠道结构,国内商业银行渠道转型势在必行。本文首先分析了互联网金融对国内商业银行的渗透和渠道建设的影响,剖析了国内商业银行渠道建设现状,阐述了国内商业银行渠道建设中存在的问题。本文认为,国内各商业银行应准确把握转型规律,建立渠道管理机构,制定渠道战略规划;明确银行渠道定位,优化提升现有渠道;运用互联网思维,推动两线一体化建设;聚焦客户需求,实现交互式体验;推进渠道结构转型调整,提升人力资源配置效能;健全风险评估机制,加强渠道风险管理;注重渠道政策作用,提供渠道发展新环境。
[Abstract]:The new normal of economic development is bound to accompany the new normal of financial development, and the channel constitutes the important content of the core competitiveness of commercial banks. The rapid development of Internet finance is changing the banking channel structure. This paper first analyzes the influence of Internet finance on the penetration and channel construction of domestic commercial banks, analyzes the current situation of channel construction of domestic commercial banks, and expounds the problems existing in the channel construction of domestic commercial banks. This paper holds that domestic commercial banks should accurately grasp the law of transformation, establish channel management institutions, formulate channel strategic planning, clarify bank channel positioning, optimize and promote existing channels, use Internet thinking, and promote the integration of the two lines. Focus on customer needs, achieve interactive experience; promote the restructuring of the channel structure, enhance the effectiveness of human resources allocation; improve the risk assessment mechanism, strengthen channel risk management; pay attention to the role of channel policy, provide a new environment for channel development.
【作者单位】：中国工商银行牡丹卡中心;
【分类号】：F832.33

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