得益于信息技术的日益发展，互联网技术在支付结算和融资 领域取得了越来越多的应用，支付宝、微信等互联网金融的应用 已经深入到人们的日常生活之中，形成了广泛的客户群体。互联 网金融具有成本低、渠道多样化的优势，能够实现金融产品的不 断创新，对传统的银行网点产生了强烈的冲击和影响。加上国内 金融改革不断深化，利率市场化逐渐推进，银行存贷利差进一步 缩小，银行同业间竞争不断加剧，如何在互联网金融时代进行银 行网点转型发展，是各银行金融机构面临的严峻课题。 伴随着互联网金融带来的强烈冲击以及客户日益增长的金融 需求，农行A支行现有的传统业务经营模式已经不能满足时代发 展的需要。基于行业转型的压力和内部的发展需求，A支行进行 网点转型势在必行。 本文将管理学的相关理论与A支行网点转型相结合。通过分 析A支行经营存在的问题，提出了互联网金融时代，A支行网点 转型方案。本文分析了A支行经营中现状，运用SWOT分析工具 分析A支行发展态势，提出A支行网点在在网点定位、网点布局、 网点功能、业务流程、人力资源配置五方面存在的问题。A支行 II 网点转型从基础建设、业务提升和转型战略三个层面逐层开展， 涉及网点定位、网点功能、业务流程、营销策略、人力资源管理 等方面。最后，农行A支行通过提升客户服务水平、实现线上线 下联动特色化服务、加强网点绩效管理、推进信息化建设以及推 进服务和产品创新等措施，保障网点转型方案的顺利实施，以发 挥自身优势，提升网点核心竞争力，实现经营效益的提升。 本研究完备了银行网点转型发展的理论研究，对其他银行网 点转型有一定的参考价值和借鉴意义。 关键词：互联网金融；银行网点；转型发展 III Researchonthetransformationand developmentofAsub-branchofagricultural bankintheeraofInternetfinance Abstract.：Internettechnologyhasbeenappliedmoreandmoreinthe fieldsofpayment,settlementandfinancing.TheapplicationofInternetfinance, suchasAlipayandWeChat,haspenetratedintopeople'sdailylife,forminga widerangeofcustomergroups.Internetfinancehastheadvantagesoflowcost anddiversifiedchannels.Itcanrealizethecontinuousinnovationoffinancial productsandhasastrongimpactonthetraditionalbankingoutlets.Inaddition, withthedeepeningofdomesticfinancialreform,thegradualpromotionof interestratemercerization,thefurthernarrowingofthespreadbetweendeposits andloans,andtheincreasingcompetitionamongbanks,Howtocarryoutthe transformationanddevelopmentofbankingoutletsintheeraofInternetfinance isaseriousproblemfacedbyallbankingandfinancialinstitutions. WiththestrongimpactofInternetFinanceandthegrowingfinancialneeds ofcustomers,theexistingtraditionalbusinessoperationmodeofAbranchcan nolongermeettheneedsofthedevelopmentofthetimes.Basedonthepressure ofindustrytransformationandinternaldevelopmentneeds,itisimperativefor Abranchtocarryoutnetworktransformation. Thispapercombinesthetheoryofmanagementwiththetransformationof theAbranch.Basedontheanalysisoftheproblemsexistingintheoperationof Asubbranch,thispaperputsforwardthetransformationplanofAsubbranch networkintheeraofInternetfinance.Thispaperanalyzesthecurrentsituation ofAsubbranchoperation,analyzesthedevelopmenttrendofAsubbranchby usingSWOTanalysistools,andputsforwardtheproblemsofAsubbranch networkinfiveaspects:networklocation,networklayout,networkfunction, businessprocessandhumanresourceallocation.Asubbranchnetwork IV transformationiscarriedoutfromthreeaspectsofinfrastructureconstruction, businesspromotionandtransformationstrategy,itinvolvesnetworklocation, networkfunction,businessprocess,marketingstrategy,humanresource management,etc.Finally,Asubbranchensuresthesmoothimplementationof thenetworktransformationplanbyimprovingcustomerservicelevel,realizing onlineandofflinelinkagecharacteristicservice,strengtheningnetwork performancemanagement,promotinginformationconstruction,andpromoting serviceandproductinnovation,soastogivefullplaytoitsownadvantages, enhancethecorecompetitivenessofthenetworkandrealizetheimprovement ofbusinessefficiency. Thisstudycompletesthetheoreticalresearchonthetransformationand developmentofbankoutlets,andhascertainreferencevalueandreference significanceforotherbankoutletstransformation. Keywords:Onlinefinance;Bankoutlets;Transformationanddevelopment I 目录 1绪论.........................................................................................................................................1 1.1选题依据与背景..........................................................................................................1 1.2研究意义......................................................................................................................2 1.3国内外研究现状..........................................................................................................3 1.3.1国外银行网点业务转型的文献综述.................................................................3 1.3.2国内银行网点业务转型的文献综述.................................................................5 1.4研究内容与研究方法..................................................................................................7 1.4.1研究内容............................................................................................................7 1.4.1研究方法............................................................................................................8 2相关理论基础.........................................................................................................................9 2.1银行网点相关理论.......................................................................................................9 2.1.1银行网点的概念................................................................................................9 2.1.2银行网点转型的内涵........................................................................................9 2.1.3银行网点转型发展的阶段..............................................................................10 2.1.4银行网点转型发展的趋势和方向..................................................................11 2.2互联网金融的相关理论.............................................................................................12 2.2.1互联网金融的定义..........................................................................................12 2.2.2互联网金融的优势..........................................................................................13 2.2.3互联网金融的劣势..........................................................................................14 2.2.4互联网金融对银行影响机制分析..................................................................15 3农行A支行营业网点现状分析.........................................................................................17 3.1农行A支行网点现状分析.......................................................................................17 3.1.1网点基本情况..................................................................................................17 3.1.2网点功能现状..................................................................................................18 3.1.3网点经营现状..................................................................................................18 3.1.4网点运营现状..................................................................................................19 3.1.5网点人力资源配置..........................................................................................21 3.2农行A支行发展态势分析.......................................................................................22 II 3.2.1发展优势分析..................................................................................................22 3.2.2发展劣势分析..................................................................................................23 3.2.3发展机会分析..................................................................................................24 3.2.4发展威胁分析..................................................................................................25 3.3农行A支行网点经营存在的问题...........................................................................26 3.3.1网点定位不清晰..............................................................................................26 3.3.2网点布局不科学..........................................................................