论文部分内容阅读
当前,面对利率市场化、金融脱媒、互联网金融的冲击,网点转型成为各大商业银行适应内外部竞争、抢夺高端客户市场的有效抓手。同样是网点转型,各大商业银行均根据自身的竞争优势来确定转型工作的重点。对于邮储银行而言,其竞争优势可以用以下几项量化指标来体现:本外币存款规模位居国内同业第五位、客户数量4.3亿、网点数量达到3.9万个,5.6万余台ATM或CRS遍布城乡。这一系列数字
At present, facing the impact of interest rate marketization, financial disintermediation and Internet finance, the transformation of outlets has become an effective starting point for major commercial banks to adapt themselves to internal and external competition and steal high-end customer markets. The same is a network transformation, all major commercial banks are based on their competitive advantages to determine the focus of the transformation. For the Postal Savings Bank, its competitive advantage can be quantified by the following indicators: The scale of domestic and foreign currency deposits ranks the fifth in the domestic industry with 430 million customers, the number of outlets reaches 39,000, and more than 56,000 ATMs CRS throughout urban and rural areas. This series of figures