本文首先阐明了课题来源、研究目的和意义，对自助金融业务相关理论、
文献进行了整理和归纳，对国内外的自助金融业务的发展概况及特点进行了
回顾和梳理。然后从农行黑龙江分行自助金融业务的发展现状，即自助设备
的配置现状、功能现状、效益现状、效率现状和自助金融业务的管理现状出
发，分析自助金融业务对于商业银行在推进传统业务转型、降低经营成本、
增加中间收入和服务三农群体等方面的重要作用。接着，提出农行黑龙江分
行自助金融业务发展过程中存在的重点问题，并进一步分析问题产生的根源
所在。最后，针对问题和根源，归纳了农行黑龙江分行自助金融业务的总体
的指导思想、基本原则和三年内的发展目标，并针对优化布局、改革流程、
加快创新、完善营销、强化风险等问题提出具体的实施对策。
关键词：自助金融业务；功能；效率；创新
Abstract
Reports of the Eighteenth National Congress point out that one of the key to
deepen the reform of financial system is to carry out the the marketization of
interest rates,so the transformation of ideas that commercial banks are
independent of interest margin are more gradually in depth.The representatives
for the self -help financial as automatic teller machine (ATM) , self-service
terminalis to be as the magic weapon of reducing costs and promoting
intermediate service income have become the strategic development direction of
banks.As the self-help financial services of commercial banks have broad
prospects for development, so the system inquiry on the he commercial bank
self-service channel layout, management, innovation and risk prevention can
further promote commercial banks' management ability of help- finance services,
and promote the competitiveness , creative ability and social image of
commercial banks, which has higher research value and practical significance.
This paper expounds the topic source, research purpose and significance,
sums up the relevant theory and literature ,and reviews the development and
characteristics of self-help financial services at home and abroad . Then from the
current developmental situation of self-help financial services of Heilongjiang
branch of Agricultural Bank of China, namely the self-service equipment status,
functional status, benefit status, efficiency status and self-help financial services
managementof status , I analyze of self-help financial services for commercial
banks' important role in advancing traditional services transformation, reducing
operating costs, increasing intermediate service income and servicing rural
groups . Then, the paper proposes the key problems that exist in the development
process of self-help financial services of Agricultural Bank of China
Heilongjiang branch, and further analyzes of the root of the problems. Finally,
aiming at the problems and causes, the paper concludes the overall guiding
thought , basic principle and the three year development plan of the self-service
financial services of Agricultural Bank of China Heilongjiang branch , and
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