DEA分析下肇庆农商银行零售网点效能评价及策略优化研究  

Research on Efficiency Evaluation and Strategy Optimization of Zhaoqing Rural Commercial Bank’s Retail Outlets with DEA Analysis

作　　者：郭秋芳 伦肇亮 GUO Qiufang;LUN Zhaoliang(Vocational and Technical Training Center,Guangdong Technology College,Zhaoqing,Guangdong 526040,China)

机构地区：[1]广东理工学院职业技术培训中心,广东肇庆526040

出　　处：《肇庆学院学报》2022年第6期31-36,共6页Journal of Zhaoqing University

基　　金：2021年广东省本科高校教学质量与教学改革工程建设项目(SHSJJD202101)。

摘　　要：金融科技的次新迭代令银行零售业务驶入成长的快车道。零售业务具有“抗周期性”,金融科技的快速发展为其极大地节约了成本带来了新机遇。零售业务的未来将聚焦于银行的灵活性和转型力度,以及能否向数字化全方位转型,能否满足客户的个性化需求,持续提供更人性化且专业的金融服务。从零售客户获取,到零售客户的经营,极致考验着银行金融机构的经营理念、经营逻辑、与格局视野。The new iteration of financial technology has driven the retail business of banks into the fast lane of growth.Retail business can fight against periodicity,and the rapid development of financial technology has brought new opportunities for it and greatly save costs.The future of retail business will focus on the flexibility and transformation of the bank,whether it can transform to digital comprehensively,and whether it can meet the personalized needs of customers and continue to provide more humanistic and professional financial services.From the acquisition of retail customers to the operation of retail customers,the business philosophy,business logic and pattern vision of banking and financial institutions are tested to the utmost.

关 键 词：DEA 农商银行 零售网点 效能 评价 

分 类 号：F014.35[经济管理—政治经济学]