商业银行异地分支机构差异化管理模式探讨

随着浙江本土经济的快速发展以及区域经济纽带的进一步紧密,客户的金融服务需求已超出单一城市限制。异地分支机构的设立有助于商业银行做大规模、增强辐射功能、实现持续发展,但同时也对异地分支机构的经营管理提出了挑战。文章以杭州联合银行阿克苏分行为例,分析商业银行异地分支机构在发展实践中遇到的问题,并从组织模式、客户管理、产品创新、风险管理以及人力资源等方面对异地分支机构的差异化管理进行探讨。

Study on Differentiated Management Mode of Commercial Bank Different Branches

With the rapid development of local economy in Zhejiang province and the closer regional economic ties, the financial service demands of customers have been exceeded single city limits. The establishment of remote branches of commercial banks not only helps to enlarge scale, enhance radiating function and achieve sustainable development, but also poses challenge to remote branch management. Taking Aksu branch of Hangzhou United Bank as example, the problems in development practice of remote branches of commercial bank are analyzed and differen- tiated management is discussed from the respects of organizational models, customer management, product innova- tion, risk management and human resources.