如何有效提升银行基层营业网点的竞争力 如何提升银行营业网点服务竞争力
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对于各商业银行来说,这是极其重要的竞争优势和发展资源。作为商业银行的基层经营单位,经营网点竞争力的强弱直接影响到全行的经营和发展。因此,如何提高基层网点在区域内的竞争力,提高网点的综合绩效,是各银行经营管理中不能忽视的重要课题。一项调查显示,网点成本为100%时,ATM的成本约为60%,网上银行或电话银行成本仅为14%左右。这表明,在各种交易渠道中,营业网点的成本是最高的。但是受网点经营定位、功能结构、劳动组合、发展策略等因素的影响,网点的高成本投入并不一定能够实现高收益。网点柜台业务大多是小额现金存取款、账户查询、存折补登以及贷记卡还款、挂失等低价值业务,不仅大量耗费网点资源,造成网点效率低下,盈利能力不强,而且也使网点没有时间和精力去开发价值更高的客户和业务。网点管理偏重于对各类业务操作的监督,对业务效率考虑不够,没有很好地实现风险防范与业务发展的有机结合。员工培训大多以业务操作和规章制度为主,对员工的营销意识、销售技巧和服务礼仪培训不够,员工主动营销技能不强,制约了网点在发现和识别高价值客......(本文共计3页) [继续阅读本文]绛旓細闅忕潃閾惰涓氱珵浜夌殑涓嶆柇鍔犲墽锛屽姞蹇満鏋缃戠偣寤鸿锛屾墿澶х綉鐐硅緪灏勮兘鍔涘凡鎴愪负閾惰鍗犻甯傚満銆佸仛澶у仛寮恒鎻愰珮绔炰簤鍔涚殑鎴樼暐鎺柦锛岄偅涔濡備綍鎻愬崌鏂板缓缃戠偣鏁堣兘锛岀潃鐪煎叏灞锛屼娇鏂板缓缃戠偣灏藉揩浜х敓鏁堢泭锛屽湪绔炰簤婵鐑堢殑甯傚満涓垎寰椾竴鏉竟锛岃繘鑰屾媺鍔ㄥ叏灞锛屾垜璁や负搴旇鐫閲嶅仛濂戒互涓嬪嚑鐐癸細涓銆佸仛瓒冲唴鍔燂紝鎵撶墷鍩虹銆傛柊寤虹綉鐐癸紝灏卞儚鐩栨柊...
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