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论文编号：	14852
作者编号：	2320223894
上传时间：	2024/12/4 16:13:30
中文题目：	中国邮政T市分公司代理金融业务 竞争战略研究
英文题目：	Research on the Competitive Strategy of China Post T City Branch''''s Agency Financial Business
指导老师：	杨坤
中文关键字：	邮政；代理金融；竞争战略；差异化战略
英文关键字：	Postal service; Agency finance; Competitive strategy; Differentiation strategy
中文摘要：	中国邮政集团公司金融业务随着2007年中国邮政储蓄银行正式成立，便确定了“自营＋代理”的特有经营模式。其中，“自营”是指中国邮政储蓄银行直接拥有并管理的金融服务机构，为客户提供全面的金融服务。“代理”则是中国邮政储蓄银行与中国邮政集团公司合作设立的金融服务机构，主要依托中国邮政集团公司的营业网点设立，在邮储银行委托范围内办理包括吸收储蓄存款、汇兑业务、代理销售保险及其他金融产品等业务。中国邮政T市分公司代理金融业务经过了十余年的发展，凭借“中国邮政”的良好品牌资源，依靠辐射全市17个区分公司的285个网点优势，拥有近400万的客户基础，在激烈的市场竞争中保持着一定的市场占有率，是T市邮政公司当之无愧的核心业务和主要收入来源。但由于近几年银行业务同质化日益严重，金融科技快速发展，行业监管政策趋于严格等综合因素影响，金融市场环境发生巨大变化。加之邮政代理金融业务还面临着由于政策调整导致业务收入锐减，产品和服务受到邮储银行限制，客户服务营销体系建设不到位等复杂因素影响，中国邮政T市分公司代理金融业务面临前所未有的发展困境。 本文以中国邮政T市分公司代理金融业务作为研究对象，以战略管理理论为基础，通过文献分析法、案例研究法、访谈法、调查问卷法等研究方法，遵循战略分析、战略制定与战略实施的逻辑，研究制定了中国邮政T市分公司代理金融业务的竞争战略应选择差异化战略，并提出实现差异化竞争战略应从品牌差异化、业务差异化、客户差异化、渠道差异化四方面实施。同时从组织机构、队伍建设、客户管理、科技赋能、风险管控五个方面制定了差异化战略保障措施。 本文的研究对于中国邮政T市分公司代理金融业务竞争战略的选择具有较强的借鉴意义和指导作用，为其巩固业务竞争优势、增强其核心竞争力方面提供了理论支撑。同时，本文也可给其他省市邮政企业代理金融业务的竞争战略研究提供参考思路。
英文摘要：	With the official establishment of the Postal Savings Bank of China in 2007, the financial business of China Post Group Corporation has determined the unique business model of “self - operation + agency”. Among them, “self - operation” refers to the financial service institutions directly owned and managed by the Postal Savings Bank of China, providing customers with comprehensive financial services. “Agency” refers to the financial service institutions established through the cooperation between the Postal Savings Bank of China and China Post Group Corporation. They are mainly established relying on the business outlets of China Post Group Corporation and handle businesses including accepting savings deposits, remittance services, acting as agents for selling insurance and other financial products within the scope entrusted by the Postal Savings Bank. After more than ten years of development, the agency financial business of T - city branch of China Post, relying on the good brand resources of “China Post” and the advantages of 285 outlets covering 17 district branches in the whole city, has a customer base of nearly 4 million. It has maintained a certain market share in the fierce market competition and is undoubtedly the core business and main source of income of the T - city postal company. However, due to the comprehensive factors such as the increasingly serious homogenization of banking business in recent years, the rapid development of financial technology, and the increasingly strict industry supervision policies, the financial market environment has changed greatly. In addition, the postal agency financial business is also affected by complex factors such as the sharp reduction of business income due to policy adjustments, the restrictions of products and services by the Postal Savings Bank, and the inadequate construction of the customer service marketing system. The agency financial business of T - city branch of China Post is facing an unprecedented development dilemma. In this thesis, the agency financial business of T - city branch of China Post is taken as the research object. Based on strategic management theory, through research methods such as literature analysis, case study, interview, and questionnaire survey, following the logic of strategic analysis, strategy formulation, and strategy implementation, it is studied and determined that the competitive strategy of the agency financial business of T - city branch of China Post should choose the differentiation strategy. And four implementation contents for realizing the differentiated competitive strategy are proposed: highlighting the brand effect and strengthening the cooperation between the postal service and the bank; developing financial scenarios and creating postal characteristics; optimizing the business system and forming competitive advantages; leveraging channel resources and improving customer service. At the same time, differentiated strategic safeguard measures are formulated from five aspects: organizational structure, team building, customer management, technology empowerment, and risk control. The research in this thesis has strong reference significance and guiding role for the selection of the competitive strategy of the agency financial business of the T - city branch of China Post, providing theoretical support for it to consolidate the business competitive advantage and enhance its core competitiveness. Meanwhile, this thesis can also provide a reference thought for the research on the competitive strategy of the agency financial business of postal enterprises in other provinces and cities.
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