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论文编号：	11264
作者编号：	2320170752
上传时间：	2019/12/10 15:46:32
中文题目：	BH农商行智能柜员机配置方案的优化研究
英文题目：	Optimization Research on the Configuration Scheme of BH Rural Commercial Bank Intelligent Teller Machine
指导老师：	边泓、孙慧强
中文关键字：	智能柜员机投资；成本效益原则；线性规划
英文关键字：	Investment of Intelligent Teller Machine；Cost-effectiveness Principle；Linear Programming
中文摘要：	金融市场环境的变化不断推动着商业银行进行转型以迎合未来的行业发展趋势。随着科技的进步，银行的服务模式和业务流程都在向智能化、高效化迈进。在同业方面，多家国有商业银行及股份制商业银行都已经率先进行了基层营业机构智能化自助化的转型并形成了自己的发展特色；在客户方面，客户现在的互联网化思维在逐步加深，客户需求的转变及服务形态的升级要求银行提供更加便捷、高效、智能的服务。 BH农商行走过了11年的发展历程，作为一家规模较小的商业银行，过去的高速增长堆积了很多矛盾和问题，正在经历从高速增长向可持续发展的严峻考验和阵痛，特别是随着宏观经济调整、市场变化、监管政策对机构的要求更加规范、严格，一些关于生存和发展深层次上的理念、管理、机制矛盾不断凸显，BH农商行也意识到了自身智能化水平发展上的滞后，因此计划在基层网点引进智能柜员机，以提升营业机构智能化水平，增强市场竞争力，降低运营成本，提高经济效益。 本文首先对BH农商行进行智能柜员机投资的背景和基本理论进行了简要介绍，在此基础上对BH农商行当前个人金融业务发展情况及智能柜员机现行方案的问题进行梳理和分析，发现其中存在的问题及问题原因，从而有针对性的利用成本效益原则、线性规划分析等理论从财务、非财务方向多角度重新对BH农商行的智能柜员机投资方案进行规划及调整，让调整后的方案更加适合BH农商行各营业机构的区域特点、客户群等外部因素，同时也强调内部员工工作能力、工作效率的提高，强调各部门之间的配合。最后，对于BH农商行在投放智能柜员机及网点转型的进程进行总结和展望，也指出了文章中的不足之处。
英文摘要：	Changes in the financial market environment continue to drive commercial banks to transform to meet future industry trends. With the advancement of technology, the bank's service model and business processes are moving toward intelligence and efficiency. In the industry, many state-owned commercial banks and joint-stock commercial banks have taken the lead in transforming the intelligent self-help of grassroots business organizations and formed their own development characteristics. On the customer side, customers' current Internet thinking is gradually deepening, customers The shift in demand and the upgrading of service patterns require banks to provide more convenient, efficient and intelligent services. BH Rural Commercial Bank has gone through 11 years of development. As a small commercial bank, the past high-speed growth has accumulated many contradictions and problems. It is experiencing severe tests and pains from high-speed growth to sustainable development, especially with The macroeconomic adjustment, market changes, and regulatory policies are more standardized and stricter on the requirements of the institutions. Some contradictions on concepts, management, and mechanisms at the deep level of survival and development have become increasingly prominent. BH Rural Commercial Bank has also realized the development of its own intelligence level. Lagging behind, it is planned to introduce intelligent teller machines at the grassroots outlets to enhance the intelligence level of business institutions, enhance market competitiveness, reduce operating costs and improve economic efficiency. This paper firstly introduces the background and basic theory of BH farmer's investment in smart teller machine. On this basis, it sorts out and analyzes the current development of personal financial business of BH Rural Commercial Bank and the current scheme of intelligent teller machine, and finds out the existence of it. The problems and the causes of the problems, Therefore, the use of cost-effective principles, linear programming analysis and other theories to re-plan and adjust the investment plan of BH Rural Commercial Bank's intelligent teller machine from multiple perspectives in finance and non-financial direction., so that the adjusted plan is more It is suitable for external factors such as regional characteristics and customer groups of BH agricultural business offices. It also emphasizes the improvement of internal staff's work ability and work efficiency, and emphasizes the cooperation between various departments. Finally, the summary and outlook of BH Rural Commercial Bank in the process of launching the intelligent teller machine and network transformation, also pointed out the shortcomings in the article.
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