徽商银行合肥分行零售业务竞争力提升策略研究
摘要
随着日新月异的科技进步与人工智能的迅速推进，零售业务在国内各商业银行发
展得越来越快。我国拥有巨大的零售市场发展空间和零售业务消费人群，为了满足我
国消费者对银行零售业务日益多样化的需求，零售业务成为各家商业银行应对日趋激
烈的金融市场竞争环境，进而发展和巩固自身竞争力的关键性领域。目前，各商业银
行竞相大力开拓和发展结合自身实际情况的零售业务。徽商银行作为安徽省区域性商
业银行在促进和发展地方经济方面扮演着至关重要的作用，零售业务的发展在徽商银
行转型和改革中发挥着关键性作用。徽商银行合肥分行作为徽商银行在安徽省省会的
分行，拥有徽商银行三分之二的员工人数，每年能够贡献徽商银行三分之二的利润。
因此，对徽商银行合肥分行零售业务竞争力进行研究具有重要的现实意义，不仅有助
于更好地巩固合肥分行在合肥地区同业金融机构中的竞争优势，也能为徽商银行合肥
分行乃至其他地市分行的零售业务发展提供新的思路。
为此，本文首先全面介绍了国内外商业银行零售业务的相关研究成果。其次，阐
述了徽商银行合肥分行零售业务的管理现状及发展现状，对合肥分行在当前合肥地区
同业金融机构中零售业务的竞争力优势、劣势、机遇和威胁，以及零售业务发展过程
中出现的问题进行相关总结。再次，分析了徽商银行合肥分行零售业务竞争力的影响
因素，以明确零售业务竞争力提升策略的方向；另外，利用实证分析对徽商银行合肥
分行零售业务与国内其他几家银行的零售业务数据进行了比较，以找出徽商银行合肥
分行与这些银行在零售业务竞争力方面的差异所在。分析结果表明：与大型国有银行
和股份制银行相比，以徽商银行为代表的城市商业银行在零售业务发展方面综合水平
较低。根据研究结果，提出了进一步提高徽商银行合肥分行零售业务竞争力的对策，
包括在产品研发方面，要加强业务产品创新力度；在市场开拓方面，坚持以零售业务
为核心战略；在服务提升方面，要完善零售业务管理水平；在数字化转型方面，要加
强零售业务平台信息化建设；在团队建设方面，要提高零售业务团队专业化水平。
关键词：徽商银行合肥分行；零售业务；竞争力提升

徽商银行合肥分行零售业务竞争力提升策略研究
ABSTRACT
With the rapid development of science and technology and artificial intelligence,
retail business is developing faster and faster in domestic commercial banks. Retail
business has become a key field for commercial banks to deal with the increasingly fierce
competitive environment in the financial market, and then develop and consolidate their
competitiveness. Nowadays, commercial banks are competing to vigorously explore and
develop retail business combined with their own actual situation. As a regional commercial
bank in Anhui Province, Huishang Bank plays a vital role in promoting and developing the
local economy. The development of retail business plays a key role in the transformation
and reform of Huishang Bank. Hefei Branch of Huishang Bank, as the branch of Huishang
Bank in the capital of Anhui Province, has two-thirds of the employees of Huishang Bank
and can contribute two-thirds of the profits of Huishang Bank every year. Therefore, the
research on the retail business competitiveness of Huishang Bank Hefei Branch is of great
significance, which not only helps to better consolidate the competitive advantage of Hefei
Branch in interbank financial institutions in Hefei, but also provides new ideas for the
retail business development of Huishang Bank Hefei Branch and even other local and
municipal branches.
First, this paper comprehensively introduces the relevant research results of retail
business of commercial banks. Second, we expound the management and development
status of retail business of Huishang Bank Hefei Branch, and summarizes the competitive
advantages of retail business of Hefei Branch in the current interbank financial institutions
in Hefei and the problems in the development of retail business. Third, this paper analyzes
the influencing factors of retail business competitiveness of Huishang Bank Hefei Branch.
In addition, using empirical analysis, this paper compares the retail business data of
Huishang Bank Hefei Branch with that of several other domestic banks, in order to find out
the differences in retail business competitiveness between Huishang Bank Hefei Branch
and these banks. The results show that compared with large state-owned banks and
joint-stock banks, the urban commercial banks represented by Huishang Bank have a lower
comprehensive level in the development of retail business. According to the research
results, this paper puts forward the countermeasures to further improve the retail business
competitiveness of Huishang Bank Hefei Branch, including strengthening the innovation
。。。以下略