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中小银行需注重传统金融业务与互联网技术的融合及优势互补,使互联网超越“传统柜台替代者”角色,以虚拟化、便捷化和客户自定义为方向构建产品体系,实现稳定客户、黏合客户和服务客户,真正从以银行为中心向以客户为中心转型。互联网金融的崛起将深刻影响整个金融体系的发展与变革。中小银行传统业务优势和市场份额可能遇到互联网金融的挤压,生存和发展面临前所未有的挑战。面对联网金融的冲击,中小银行可采取如下应对策略。以客户为中心,变革创新产品设计注重传统金融业务与互联网技术的融合及优势互补,使互联网超越“传统柜台替代者”角色,以虚拟化、便捷化和客户自定义为方向构建产品体系,实现稳定客户、黏合客户和服务客户,真正从以银行为中心向以客户为中心转型。一是建立客户体验指数,从零散、事后的客户体验转向系统、事前的客户体验。通过绩效杠杆,加大网点客户经理对客户柜面交易向网银等电子渠道迁移的引导力度,提升客户体验和交易活跃度。二是紧贴生活变化,洞察引领客户需求,依托数据挖掘和信息平台,借助银行自身优势,突破传统经营模式,满足客户的个性化、专业化需求。三是重塑业务流程,高效配置资源,提升客户体验,为客户提供灵活多样的产品和便利快捷的服。掘金大数据,进军电商平台在浩大的电子商务交易中,银行的角
Small and medium-sized banks should pay attention to the integration of traditional financial services with Internet technologies and their complementary advantages so that the Internet can surpass the role of “traditional counter replacement” and build a product system in the direction of virtualization, convenience and customer customization so as to achieve stable customer and bond Customer and service customers, truly from the bank-centric to customer-centric transformation. The rise of Internet finance will profoundly affect the development and reform of the entire financial system. The traditional business advantages and market share of small and medium-sized banks may encounter unprecedented challenges in squeezing, surviving and developing Internet finance. In the face of the impact of networked finance, small and medium banks can adopt the following countermeasures. Customer-Centered Innovation and Product Innovation Focusing on the integration of traditional financial services and Internet technologies and their complementary advantages, the Internet has surpassed the role of “traditional counter replacement” to establish a product system based on virtualization, convenience and customization , To achieve a stable customer, bonding customers and service customers, truly from a bank-centric to customer-centric transformation. First, establish a customer experience index, from scattered, ex post facto customer experience to system, ex ante customer experience. Through the performance leverage, we will step up the efforts of the network account manager to guide the customer counter transaction to the electronic channel such as online banking and enhance the customer experience and trading activity. Second, close to changes in life, insight into leading customer needs, relying on data mining and information platform, with the bank’s own advantages, breaking the traditional business model to meet the customer’s personalized, specialized needs. Third, reshape business processes, efficiently allocate resources, improve customer experience, provide customers with flexible and diverse products and convenient and quick service. Nuggets big data, into the e-commerce platform in the vast e-commerce transactions, the bank’s corner