我国的商业银行数量自改革开放伊始便不断增加,商业银行的增加既满足了

我国民众对金融服务的需求,同时这也是我国经济腾飞的需要。而商业银行数量

的增加必然带来市场激烈的竞争环境,加上外资银行的加入,使得激烈的市场竞

争更加激烈,因此,如何在激烈的市场竞争中脱颖而出分得市场的一杯羹对于商

业银行来讲至关重要。此外计算机信息技术的日新月异为商业银行转型提供了基

本的条件。对于商业银行来讲,发展零售业务不仅能够实现差异化战略同时也能

够有效促进规模生产,因此零售业务成为了商业银行转型的方向之一。

中国农业银行内蒙古分行成立于1979年,现设二级分行14个、支行131个

以及营业机构578个。该银行的发展同样面临着商业银行面临的问题,民众对于

金融服务的要求在不断提高,市场的竞争状况使得转型势在必行。该分行自2009

年便开始着手针对银行的产品、人员、网点三个方面进行零售业务转型。按照零

售版块的发展规划,经过多年的实践与发展,该银行分行已经成功实现组织关系

的协调统一,同时有效全面整合银行的资源。本文就中国农业银行内蒙古分行在

零售业务养型中取得的成就、出现的问题以及对应的解决策略进行深入研究,以

期为今后此类转型提供指导和借鉴。

G

关键词:中国农业银行,零售业务,转型

Abstract

The number of China's commercial banks surges since the beginning of reform and

opening-up. It's the response to the increasing needs of financial service as well as the

development of our national economy. However, the more the number of commercial

banks the more likely the competition situation of marketing becomes intense,what's

more, many foreign banks share the market with local banks which intensify the

situation. So coping with this problem and holding one's market position become

especially crucial. With the advanced technology becomes much easier accessible,it

provide the base equipment of the transformation of commercial banks. Retail business

is one of the possible directions of commercial banks' transformation.

Inner Mongolia Branch of Agricultural Bank of China was founded in 1979,it is

consist of fourteen second-level branchs,one hundred thirty-one sub-branch and five

hundred seventy-eight business offices. The bank's development is also facing problems

which is very common with other commercial banks, such as the reality that the public

demands for financial services is increasingly higher. So transformation is the necessary

step for this branch to deal with its problem. Inner Mongolia Branch of Agricultural

Bank of China started its retail business transformation in 2009 which includes the

transformation of its product, staff and site. In accordance with the development plan of

the retail business transformation, after years of practice and development, it has

successfully achieved the harmonization of organizational relationships, while

effectively fully integrated banking resources. This paper focused on the transformation

achievements, problems and the corresponding solution strategy of Inner Mongolia

Agricultural Bank of China branch in its retail business transformation which may

provide some valuable guidance to the similar transition in the future.

Key words: The agricultural bank of chaina.Retail business.Transfonnation

II

目录

第一章绪论 1

1.1研究目的及意义
1

1.2国内外研究现状
2

1.2. 1国外对商业银行零售业务的研究
2

1.2.2国内对商业银行零售业务的研究
3

1.3研究内容及方法
4

1.3.1研究内容
4

1.3.2研究方法
4

第二章农行内蒙古分行零售业务转型的原因分析
5

2.1商业银行零售银行业务概述
5

2.1. 1零售银行业务的定义
5

2.1. 2国外零售银行业务发展历程
5

2.1.3国内零售银行业务发展历程……
7

2.1.4银行网点转型概述
8

2.2农行内蒙古分行零售业务转型的原因分析
9

2.2.1适应科技创新及客户消费习惯变化的动因
10

2.2.2抓住内蒙古地区经济快速发展商机无限
10

2.2.3反制资本性和技术性脱媒的动因
12

2.2.4实施战略资本管理的动因
12

2.2.5应对激烈的同业竞争
13

2. 2. 6促进业务持续发展战略的需要
13

第三章农行内蒙古分行零售业务转型思路与现状
14

3.1农行内蒙古分行零售业务转型思路
14

3. 1. 1农行内蒙古分行网点建设
15

3. 1.2农行内蒙古分行全面强化后台系统建设
18

3. 1.3农行内蒙古分行的人员配置转型
19

3.2农行内蒙古分行零售业务转型成效
20

3. 2.1零售产品拓展进步较大
20

3. 2. 2抓好网点硬件转型
20