摘要
新冠疫情爆发以来,社会经济活动受到较大影响,企业停产、商业停摆,居民足不出户,处于风暴中心的湖北等疫情严重地区更是如此。疫情对商业银行的金融服务和业务发展造成了不同程度的冲击。本文以湖北地区商业银行个人存款为研究对象,通过调查问卷的方式,从存在的问题、形成的原因及长远影响三个方面深入分析了新冠疫情对A银行湖北地区网点个人存款的影响,并通过同业比较及数字化转型分析,从转变观念、加速转型、守住阵地、精细管理四个方面进一步提出个人存款业务发展的对策。
Since the outbreak of COVID-19 epidemic, social and economic activities have been greatly affected. Enterprises have stopped production, businesses have been shut down, and residents have not left their homes. These are especially serious in Hubei province, which is at the center of the storm. COVID-19 epidemic has caused varying degrees of impacts on the financial services and business development of commercial banks. This paper, taking the personal deposit of commercial banks in Hubei province as the research object, conducts a comprehensive and in-depth analysis of the influence from COVID-19 epidemic on the personal deposit in branches of A bank in Hubei province from three aspects including existing problems, the causes and long-term impacts by means of questionnaire. And the paper, through interbank comparison and digital transition, offers countermeasures from four aspects including concept change, transformation acceleration, position hold and fine management.
作者
刘银行
LIU Yin-hang(Agricultural Bank of China Wuhan College,Wuhan Hubei 430077)
出处
《天津商务职业学院学报》
2020年第2期60-68,共9页
Journal of Tianjin College of Commerce
关键词
新冠疫情
商业银行
个人存款
影响
对策
数字化转型
COVID-19 epidemic
commercial bank
personal deposit
impact
countermeasures
digital transformation
