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全方位金融服务 “辐射全国”一方面体现在区域性布局的完善,另一方面也表现在银行业“渠道为王”的网点数量增加上。
据公告披露,截至2016年底,九台农
商行共有395个营业网点,较2015年底的337个增长17.2%,值得一提的是,九台农商行有120个营业网点由母行经营,而其余营业网点由九台农商的子银行以其自身名义经营。
九台农商行则表示,其营业网点的工作重心正逐渐由开展传统银行业务向提供全方位的金融服务转变。
此外,九台农商行还间接发起设立其他类型的金融牌照,例如其在今年2月份发起成立了九银金融租赁股份有限公司,而这也将为其全方位金融服务带来较强的协同效应。
业内人士指出,全方位金融服务实际上是农商行的一种品牌化运营思路,即摒弃传统的存贷金融模式,而转向提供更多的理财、资产配置、财务咨询、融资模式等一揽子金融解决方案和产品。
该人士认为,农商行的品牌化或将随着这种转型开始进一步显现优势。
“全方位金融服务不同于此前粗放式的吸存放贷和简单的同业拆借、直投,而将更加强调渠道和网点的服务能力和品牌价值,说明九台农商行也会非常关心其品牌价值和对客户的服务质量。” 上述人士表示。
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