中小商业银行渠道建设的五大方法（Five ways of channel construction of small and medium sized commercial banks）.docVIP

中小商业银行渠道建设的五大方法（Five ways of channel construction of small and medium sized commercial banks） The five strategy channel of small and medium sized commercial bank building pick Abstract: the channel construction is not only related to the small and medium-sized commercial banks and the consolidation of customer relationship, It also affects the development quality of small and medium sized commercial bank. At present, the regulatory authorities to relax the small and medium commercial banks to set up different agencies and county agencies access conditions, many small and medium-sized commercial banks to take the opportunity of the channel construction, vigorously expand physical outlets as the main means to improve the core competitiveness. This paper argues that the small and medium-sized commercial banks because of inherent limits on the size of the channel construction is restricted by many factors, the science channel construction must be in accordance with the specific principles, selection of development strategy of channel construction. Keywords: small and medium sized banks Channel construction Principle Commercial bank channel refers to the commercial banks to provide various services for customers or means, mainly divided into tangible and intangible outlets outlets. Physical outlets including outlets and self-service banking outlets, intangible mainly refers to the telephone banking, mobile phone banking and Internet banking. The construction of small and medium sized commercial bank channel is through the improvement of tangible and intangible network network layout, improve operational efficiency and profitability, which is related to the relationship between bank and customer consolidation also affects the quality of development of banking business, so it has very important significance to study its Put forward the problem of small and medium-sized commercial banks, channel construction (a) small and medium-sized commercial banks to set up different ag