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农商行须转变业务发展理念
2017-09-15 15:36:46 中国经济网
转变业务发展理念
县级农商银行应从以下几方面转变业务发展理念:
一是积极转变发展理念。互联网金融的发展对传统银行经营模式产生了巨大的影响,但传统金融和互联网金融并非截然对立,而是相互融合的关系。互联网金融之所以在近年来得以迅速发展,追根溯源还是传统银行业在某些服务领域上存在空白,在服务方式上创新不够,忽视了客户的差异化需求,导致客户体验度不足,满意度不高。应对冲击,农商行应加快转变发展理念,真正树立“一切以客户为中心”的思想,充分利用移动互联网、大数据等互联网技术来改进和完善农商行的传统经营模式,优化业务流程,高效配置资源,实现网点与网络互动、线下与线上融合、传统业务与新兴业务联动,提升综合服务能力。
二是积极创新金融产品。当前,面对客户越来越多的个性化要求,县级农商银行应进一步加强多元化金融产品的创新力度,加强大数据的分析和运用,通过精准定位客户偏好,为其提供一站式、一揽子、全方位、高效率的金融服务。坚持以专业的产品设计满足不同客户需求,注重将服务由“柜台型”向“离柜型”转变,充分发挥并不断完善网上银行、电话银行、手机银行、自助银行、社区e银行、信e付等电子银行领域的信用中介、支付中介等功能,使之成为延伸服务的触角,成为强化客户体验的渠道,成为信息互联的平台,成为业务发展的新增长级。
三是积极拓展业务领域。作为实体银行,农村商业银行具有互联网金融机构所不具备的网点现场体验,长期以来在农村地区所形成的品牌认知和信誉认同,基础设施完善和网点分布广泛等传统的优势。当前,要充分借鉴互联网思维,利用互联网模式,深度整合互联网技术与银行核心业务,加快拓展业务和服务渠道,逐步将客户营销、产品定制、风险管控、财务管理等集约到一体化运营中来,从而满足客户全方位,多角度,差异化的需求。
总之,面对当前复杂的形势和严峻的挑战,农村商业银行应进一步加快产品研发和产品创新力度,加强战略型人才的引进和培养,积极拓展新的业务领域和新的市场,推动业务转型,进而实现长期、稳健、可持续发展。
作者单位:安徽寿县农商银行
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