摘要
目前,多数客户可通过线上移动端处理业务,不需要携带相关证件到物理网点进行办理,这便使得物理网点的优势一去不复返。对于同业竞争的加剧与互联网的发展,银行业务的线上线下配比持续变化,这便迎来了物理网点走向智能化、数字化的契机。为加速邮储银行物理网点的转型发展,本文首先分析互联网金融视角下邮储银行物理网点转型发展的意义与基本思路,再以某邮储银行为例,依托于STEPIC模型与SWOT模型,提出转型发展的有效路径。
At present,most customers can deal with business through online mobile terminal,do not need to carry relevant documents to physical outlets for handling,which makes the advantages of physical outlets gone forever.With the intensification of industry competition and the development of the Internet,the ratio of online to offline banking business continues to change,which ushered in an opportunity for physical outlets to become intelligent and digital.In order to accelerate the transformation and development of physical branches of Postal Savings Bank,this paper first analyzes the significance and basic ideas of the transformation and development of physical branches of Postal Savings Bank from the perspective of Internet finance,and then takes a postal savings Bank as an example and puts forward an effective path of transformation and development based on the STEPIC model and SWOT model.
作者
张淮
Huai Zhang(College of Management,Gansu Agricultural University,Lanzhou,Gansu,730070,China)
关键词
互联网金融
邮储银行
物理网点
转型发展
Internet Finance
Postal Savings Bank
Physical Dot
Transformation and Development
