近年来，在我国整个银行业产品和服务同质化严重、国家对金融业政策逐步开放导 致同业竞争激烈、金融科技对传统营业网点的颠覆等压力下，内忧外患的商业银行，尤 其是体积庞大的国有商业银行在寻求转型之路。本文希望能够通过详尽地解读农业银行 呼和浩特金桥支行网点智能化转型方案，丰富智慧银行网点转型实施的相关理论，也让 更多人从多角度了解农业银行呼和浩特金桥支行智慧银行，并为同业的智能银行转型做 参考。 本文结合了人力资源管理与营销管理的相关理论，以农行呼和浩特金桥支行为案例 分析对象，剖析网点智能化转型。首先对国内外银行转型的理论方法和实践现状进行研 究，确定了理论基础；其次，通过运用文献归纳、案例分析、统计分析、对比分析等方 法，对农行呼和浩特金桥支行的现状、内外部环境进行了分析，得出分析结果，问题主 要出现在：贵宾客户流失严重、网点业务流程繁琐、金桥支行整体营销业绩不佳，并对 这些问题深入分析，找到其原因：网点人员与机具老化、岗位配置不合理、绩效考核机 制不健全、营销思路与方法比较落后。最后从农业银行呼和浩特金桥支行网点智能化转 型的动因、定位与目标入手，分别对人力资源、管理、绩效管理考核、营销这四个方面 提出网点智能化转型策略及保障措施。 通过本文的分析，论证了农业银行呼和浩特金桥支行网点智能化转型的必要性和可 行性。而且，我们发现金桥支行的优势劣势都过于明显，在转型过程中，一定要注意取 长补短。本次网点智能化转型可以为农业银行经营注入新鲜的血液与活力。 关键词：智能化网点，服务提升，银行金融科技，转型策略 II Abstract Inrecentyears,Underthepressureofserioushomogenizationoftheentirebankingindustry's productsandservices,commercialbankshavemoreconcerns,especiallyLargestate-owned commercialbankshopetoseizemoremarketsharethroughtransformation.Thisarticlehopesto enrichtherelevanttheoriesofsmartbankoutlettransformationandimplementationthrougha detailedinterpretationofABC’sHohhotJinqiaoSub-branchoutlets’intelligenttransformation program,andalsoallowmorepeopletounderstandtheagriculturalbankHohhotJinqiao Sub-branchSmartBankfrommultipleperspectivesBanktransformationasareference. Thisarticlecombinestherelevanttheoriesofhumanresourcemanagementandmarketing management,andanalyzestheintelligenttransformationofoutletswiththecaseanalysisobjects oftheHohhotJinqiaoBranchofAgriculturalBankofChina.Firstofall,thetheoreticalmethods andpracticalstatusofdomesticandforeignbanktransformationarestudiedtodeterminethe theoreticalbasis;secondly,throughusingliteratureinduction,caseanalysis,statisticalanalysis, comparativeanalysisandothermethods,toanalysethecurrentsituation,internalandexternal environmentoftheAgriculturalBankofHohhotJinqiaoSub-branch.Basedontheanalysis,the resultsandreasonsareobtained.ThemainproblemsarelosingVIPcustomers,thecumbersome businessprocessesoftheoutlets,andthepooroverallmarketingperformanceofJinqiao Sub-branch.Thereasonsaretheagingofstaffandmachineryattheoutlets,unreasonablejob placement,unsoundperformanceevaluationmechanism,andbackwardmarketingideasand methods.Finally,fromthemotivation,positioningandgoalsoftheintelligenttransformationof branchesoftheAgriculturalBankofHohhotJinqiaoSub-branch,theintelligenttransformation strategiesandguaranteemeasuresoftheoutletsareproposed. Throughtheanalysisofthispaper,thenecessityandfeasibilityoftheintelligent transformationofthebranchofAgriculturalBankofChinaHohhotJinqiaoSub-branchare demonstrated.Moreover,wefoundthattheadvantagesanddisadvantagesofJinqiaoSub-branch aretooobvious.Intheprocessoftransformation,wemustpayattentiontothestrengthsand weaknesses.Theintelligentnetworktransformationcaninjectfreshbloodandvitalityintothe operationoftheAgriculturalBank. Keywords:Intelligentoutlets,Serviceenhancement,Bankfinancialtechnology, Transformationstrategy III 目录 第一章绪论.....................................................................................................................1 1.1研究背景与意义...................................................................................................1 1.1.1研究背景....................................................................................................1 1.1.2研究意义....................................................................................................2 1.2国内外研究现状...................................................................................................3 1.2.1国外研究现状.............................................................................................3 1.2.2国内研究现状.............................................................................................4 1.2.3评述............................................................................................................5 1.3研究方法与研究思路............................................................................................6 1.3.1研究方法....................................................................................................6 1.3.2研究思路....................................................................................................7 1.4论文框架结构.......................................................................................................8 1.5本文的创新点及不足............................................................................................8 1.5.1本文的创新点.............................................................................................8 1.5.2不足之处....................................................................................................9 第二章农业银行呼和浩特金桥支行网点智能化转型环境分析.....................................10 2.1农业银行呼和浩特金桥支行网点经营现状.........................................................10 2.2农业银行呼和浩特金桥支行网点智慧化转型内外部环境..................................10 2.2.1外部环境..................................................................................................10 2.2.2内部环境..................................................................................................14 第三章农业银行呼和浩特金桥支行网点目前经营中存在问题及原因..........................17 3.1农业银行呼和浩特金桥支行网点目前经营中存在的问题..................................17 3.1.1贵宾客户流失严重....................................................................................17 3.1.2网点业务流程繁琐....................................................................................19 3.1.3金桥支行整体营销业绩不佳.....................................................................23 3.2农业银行呼和浩特金桥支行网点产生以上问题的原因分析..............................25 3.2.1网点人员、机具老化................................................................................25 3.2.2岗位配置不合理.......................................................................................25 3.2.3绩效考核机制不健全................................................................................26 IV 3.2.4营销思路和方法比较落后........................................................................26 第四章农业银行呼和浩特金桥支行实现网点智能化转型的策略.................................28 4.1转型的动因、定位与目标...................................................................................28 4.1.1转型动因..................................................................................................28 4.1.2转型定位..................................................................................................28 4.1.3转型目标..................................................................................................30 4.2人力资源策略.....................................................................................................30 4.2.1网点人员配备...........................................................................................30 4.2.2人员岗位等级设置....................................................................................31 4.2.3提升员工转型意识....................................................................................31 4.3管理策略.............................................................................................................32 4.4绩效管理考核策略........................................................................