博乐棋牌

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                  招商银行向“轻型银行”转型

                  信息来源:南方电网报  发布时间2020-09-15

                    招商银行数字化经营模式转型路径

                    招商银行构建生态系统的组织架构

                   

                    “JINRONGFUWUWUCHUBUZAI,JIUSHIBUZAIYINXINGWANGDIAN。”CONG2015NIANKAISHI,ZHAOSHANGYINXINGJIUJIANDING“QINGXINGYINXING”“YITILIANGYI”DEFAZHANZHANLVE,YI“JINRONGKEJIYINXING”ZUOWEIQUANXINDINGWEI,QUANLIDAZAO“ZUIJIAKEHUTIYANYINXING”。YINCI,ZHAOXINGQIZHIXIANMINGDITICHUDAZAOJINRONGKEJIYINXING,BATANSUOSHUZIHUAJINGYINGMOSHIZUOWEIZHUANXINGXIABANCHANGDEZHUGONGFANGXIANG。

                  博乐棋牌  8YUE28RI,ZHAOXINGFABULE2020NIANBANNIANBAO。CAIBAOXIANSHI,SHANGBANNIANZHAOXINGLINGSHOUKEHUZONGZICHANNISHITUPO8WANYIYUAN。CIWAI,ZHAOXINGLINGSHOUKEHUSHUYITUPO1.5YIHU,QIXIALIANGDAAPPYUEHUOFENBIEDADAO5607WANHU、4284WANHU。

                    LIANGDAAPPDEYUEHUOSHUJUYIYUANYUANCHAOGUOZHONGDUOHULIANWANGPINGTAI。ZHAOXINGCHEDIZOUCHULECHUANTONGYINXINGYIKAOWANGDIANKUOZHANGFANGSHI,KAIQILESHUZIHUAHUOKEGAOSUZENGZHANGYINQING。

                    外接流量 从客户思维转变为用户思维

                  博乐棋牌  ZHANGQIYILAI,YINXINGBAJINGYINGZHONGXINFANGZAICHIKAKEHUSHENSHANG。JINNIANLAI,SUIZHEHULIANWANGJINRONGDEJUEQI,KEHUXINGWEIYINFASHANGYELUOJIBIANHUAHOU,ZHAOSHANGYINXINGLVXIANTIAOCHUZHANGHUDESHUFU,SHULIYONGHUSIWEI,YOUQISHIYAOZHUAZHUXINYIDAINIANQINGYONGHU,JIANGFENGBIDEJINRONGFUWUTIXIGAIZAOCHENGKAIFANGSHI、CHANGJINGHUADEFUWUSHENGTAI。

                  博乐棋牌  JUGUANFANGJIESHAO,“YIWANGTONG”SHIYOUZHAOSHANGYINXINGGOUJIANMIANXIANGHULIANWANGYONGHUDEZONGHEJINRONGFUWUPINGTAI,JIDUOJIAYINXINGKAGUANLI、LICAICHANPINGONGXIANG、ZAIXIANZHIFUDENGGONGNENGYUYISHEN,DAZAOYIGEYONGHU、YITAOMIMA、YICIDENGLUDEHULIANWANGYONGHUTIXI。

                  博乐棋牌  QIZHONG,“YIWANGTONGZHIFU”JISHIQIYIDONGZHIFUCHANPIN。JIEZHI2018NIAN6YUEMO,ZHAOSHANGYINXINGYIWANGTONGZHUCEYONGHUSHUYICHAOGUO1YI,QIZHONG,YOU1300WANSHIFEIZHAOXINGJIEJIKACHIKAREN。ZHEIYIWEIZHEZHAOSHANGYINXINGDEYONGHUQUNZHENGZAIXIANGWAIKUOZHAN,BUZAIWANQUANYILAIYINXINGDEYINLIU。ZAIYINXINGAPPPUBIANJILEIHUADEQINGKUANGXIA,ZHEISHIYIGEFEICHANGZHIDEGUANZHUDESHUZI。

                  博乐棋牌  ZAI“NIANZHONG”ZHEIGEDAREDIANXIA,2020NIANCHU,ZHAOSHANGYINXINGYOUZHONGDIANSHENWALE“HUIJIA”ZHEIGEXUQIU。ZHENGGEHUODONGFENWEISANGEBANKUAI:SHENGHUOYOULI、CHUXINGDAZHAOHESHUANGDANKUANGHUAN。JIYUSANZHISONGSHUZHEILEIXINNIANHUOLIANHESONGFULI,YOUYU12306YIQITUICHUGOUPIAOBUTIE,HAILIANHESHOUQI、CAOCAO、DIDA、GAODEDENGZHULIUWANGYUECHEPINGTAITUICHUDACHEBUTIE,GENGBUWANGYUDANGDANGWANGYIQISONGSHANGJINGSHENSHILIANG。KEWEIMIANMIANJUDAO。

                    CIWAI,ZHAOXINGXINYONGKAHAIXIANHOUYUWANDA、TENGXUN、BAIDU、WANGYI、JINGDONG、DIDICHUXING、OPPO、TUNIUDENGDUOLINGYUQIYEHEZUOGEJU,SHISHIZHUIZONGXIAOFEIZHEDEXUQIUDONGTAI,GENJINGEXINGGEYEDETOUBUPINPAI,ZUIZHONGXINGCHENGZIYUANHUXIANGDEGONGYINGGEJU。

                    ZUIJINJINIAN,ZHAOSHANGYINXINGYIWANGTONGZHIFUDEZHIFUNENGLIBEIZHUBUYINGYONGDAOGONGGONGCHUXING、ZHIHUITINGCHE、BIANMINFUWU、ZHIHUILINGSHOU、GONGGONGJIAOFEIDENGDUOZHONGCHANGJING,ZHICHIAPP、PC、ERWEIMA、RENLIAN、H5DENGDUOZHONGZHIFUFANGSHI。YIZHIFUNENGLIWEIJICHU,ZHAOSHANGYINXINGYIWANGTONGZHIFUJIANLIQIYITAOYONGHUKAIFANGTIXI,KAISHIJICHUNENGLIFUNENG。

                    内建平台 从交易工具到经营平台跃迁

                    YUXUDUOYINXINGBAAPPDANGZUOJIAOYIGONGJUBUTONG,ZHAOSHANGYINXINGYICHUANGZAOYONGHUJIAZHIWEIDAOXIANG,YILIANGDAAPPDEJIANSHEWEIZHONGXIN,DAZAOSHUZIHUADEFUWUXINPINGTAI,SHIXIANLECONGJIAOYIGONGJUDAOJINGYINGPINGTAIYUEQIANDEZHUANBIAN。

                    SHIXIANCONGJIAOYIFUWUDAOXINXIFUWUDEZHUANBIAN。WEIRAOTIKEHUGUANZHANG,BANGKEHULICAI,ZHAOSHANGYINXINGTUICHULESHOUZHIFENXI、ZHUANXIANGZHANGBEN、YUSUANGUANLI、YUEDUZHANGDANDENGGONGNENG,TIGONGSHISHIDEXIANJINLIUGUANLINENGLI,XIANZAIMEIGEYUEYOUCHAOGUO1600WANRENSHIYONGZHAOSHANGYINXINGDESHOUZHIFUWU,YISHIZHAOXINGAPPDIERDAFUWUGONGNENG;WEIRAOLICAIDESHOUQIAN、SHOUHOU,CONGLICAIZIXUNSHEQU、CAIFUTIJIAN、MOJIEZHITOUZAIDAOZUORISHOUYI、SHOUYIBAOGAO,DAZAOXINXIFUWUBIHUAN,ZHAOXINGAPPLICAITOUZIXIAOSHOUJINEYIZHANQUANXINGDE55.29%。

                    SHIXIANCONGDANYIQUDAODAODUOQUDAOLIANJIEDEZHUANBIAN。DUINEI,ZHAOXINGTONGGUOFENXINGZHUANQU、WANGDIANXIANSHANGDIAN、ZHAOHUFUWUHAO、KEHUJINGLILIANXIAN、XIAOCHENGXU、ERWEIMASAOMA,SHIXIANAPPYUXIANXIAFUWUWANGLUODEYOUXIAOXIANJIE,XINGCHENGFUWUBIHUAN,MEIGEYUEYOUCHAOGUO350WANDEKEHUTOUGUOZHEIXIELIANJIE,SHIXIANLEXIANSHANGXIANXIADEFUWUHUDONG;DUIWAI,ZHAOXINGJIANSHEKAIFANGDEYONGHUJIZHIFUTIXI,TONGGUOAPI、H5HEAPPTIAOZHUANDENGLIANJIEFANGSHI,SHIXIANJINRONGYUSHENGHUOCHANGJINGDELIANJIE。

                    SHIXIANCONGBIAOZHUNHUAFUWUXIANGGEXINGHUAFUWUDEZHUANBIAN。ZHAOXINGJIANLILEWANZHENGDE、SHISHISHUJUFENXICHULITIXI,KEYIDUIYONGHUXINGWEIJINXINGSHISHIDE、ZHINENGHUADEFANYING,ZHEIRANGZHAOSHANGYINXINGDEAPPYOULEZIWOJINHUADENENGLI,KEYIXUEXIYONGHUDESHIYONGXIGUAN,CONGGONGNENGCAIDANDAOXINXINEIRONG,GENJUYONGHUXIGUANHEPIANHAO,JINXINGGEXINGHUACHENGXIAN。

                    SHIXIANCONGBEIDONGFUWUXIANGZHUDONGFUWUDEZHUANBIAN。TONGGUOGOUJIANSHUJUZHINENGNENGLIHEXIANSHANGYUNYINGPINGTAI,ZHAOSHANGYINXINGCONGBEIDONGXIANGYINGYONGHUFUWUXUQIU,XIANGZHUDONGYINDAOYONGHUZHUANBIAN,TUICHULEZHINENGTIXING、ZHINENGTUIJIANDENGFUWUMOKUAI,ZAIZHAOXINGAPPSHANG,MEIGEYUEYOUCHAOGUO170WANKEHUDUIZHAOSHANGYINXINGDEZHUDONGTIXINGHEYINDAO,ZUOCHUXIANGYING。

                    内外兼修 组织进化和管理升级

                  博乐棋牌  2018NIAN9YUE,ZHAOSHANGYINXINGZHENGSHITICHULE“LINGSHOUJINRONG3.0”DEGAINIAN,QICHANPINDEZAITIBIANCHENGLEAPP。ZHAOSHANGYINXINGXINGZHANGTIANHUIYURENWEI:“YINXINGKAZHISHIYIGECHANPIN,APPQUESHIYIGEPINGTAI,CHENGZAILEZHENGGESHENGTAI。”ZHEIYIWEIZHEGENGKAIFANGDEFAZHAN。

                    DUINEI,GAIXINGLINGSHOU、PIFATIAOXIANJUNSHEYOUZHUANYEYONGHUTIYANTUANDUI,YI“WEIKEHUCHUANGZAOJIAZHI”WEICHUFADIAN,TUIDONGKEHUTIYANSHENGJI。2019NIAN,ZHAOXINGYIFANGMIANZHONGGOULINGSHOUKEHUTIYANJIANCETIXI,FENGLINGXITONG1.0BANBENSHANGXIANYUNXING,DUIJIEXINGNEIXITONG20GE,JIANCEKEHUTIYANZHIBIAO923GE,SHIXIANDUILINGSHOUKEHUTIYANDESHISHIJIANCEHESHUZIHUACHENGXIAN,CHUBUGOUJIANLINGSHOUKEHUDETIYANFENGXIANGBIAOHEFUWUSHENGJIYINQING。LINGSHOUXINDAIDAIZHONGSHENPISHIXIANQUANLIUCHENGSHUZIHUACHULI,SHENPIZHONGXINSHENPIZUOYEHAOSHITONGBISUODUAN20%。CAIYONG“DUANDAODUANKEHULVCHENGFANGFALUN”,ZHONGDIANDUILINGSHOUKEHUSHOUMIANJINGYINGLVCHENG、MGM(KEHUTUIJIANKEHU)。

                  博乐棋牌  DUIWAI,QIANWENTIDAO,ZHAOXINGLVXIANDAPOFENGBIZHANGHUTIXI,CHUANGXINTUICHU“YIWANGTONGKAIFANGYONGHUTIXI”。YUCITONGSHI,ZHAOXINGJINYIBUQIANGHUALEDUIHEZUOJIGOUDEYOUXUAN,ZHILIYUWEIYONGHUTIGONGGENGZHUANYEDEJINRONGFUWU,YIJIGENGGAOPINZHIDESHENGHUOFUWU,CONGERMANZUQIRIYIDUOYUANHUADEXUQIU。BUJINRUCI,ZHAOSHANGYINXINGAPPHAITUICHULEYINXINGYESHOUGEXIAOCHENGXUPINGTAI,XIANGWAIBUHEZUOJIGOUKAIFANGZIYOUTIXI。MUQIAN,ZHAOSHANGYINXINGAPPYISHANGXIAN250YUGEXIAOCHENGXU,FUGAICHUXING、ZHENGWU、MINSHENG、SHANGCHAODENGSHENGHUOFUWUCHANGJING。

                  博乐棋牌  KAIFANGYURONGHE,DUIZHAOXINGDEZUZHIJINHUAHEGUANLISHENGJITICHULEXINDEYAOQIU。“WOMENZHENGZAICONGZUZHIDAOXINGDONG,DAPOBIANJIE,GENGDUODIZUJIANRENWUXINGTUANDUI。WOMENNULITISHENGZHONGTAINENGLI,ZHUBUGOUJIANFUNENGXINGZUZHI:JIANSHEJIAGOUKAIFANG、MINJIEDIEDAIDEXITONGZHONGTAI,JIANGXITONGJIEOU,SHIXIANGONGNENGMOKUAIHUA、CHANPINHUA,CONGJISHUDICENGDATONGSUOYOUYEWUXITONG;JIANSHESHUJUZHONGTAI,JIANGSHUJUZUOWEIHEXINZICHAN,DATONGNEIWAIBUSHUJU,WANSHANDASHUJUZHILITIXI;JIANSHEYEWUZHONGTAI,DAZAOQIANGDADE‘ZONGCANMOUBU’,XIANGSHICHANGFUNENG,WEIYIXIANJIANFU。WOMENQIWANGJIANLIZHONGTAIFUNENGQIANTAI、QIANTAIFANKUITUIDONGZHONGTAIDIEDAIDEXUNHUAN,TUIDONGZHAOSHANGYINXINGZUZHIZIWOJINHUA。”ZHAOSHANGYINXINGXINGZHANGTIANHUIYUZAI2020NIANNIANBAOZHONGSHUODAO。

                    NANWANGCHUANMEIQUANMEITIJIZHE CHENKEQIAN

                    >>记者手记

                  博乐棋牌  SHUZIHUAJINCHENGYOULAIYIJIU,YIBANERYAN,CHUANTONGDE“SHUZIHUA”DUOWEIZAIBAOCHIYUANYOUYEWULIUCHENG、YEWUMOSHI、YINGLIMOSHI、ZUZHIJIAGOUDENGBUBIANDEQIANTIXIA,TONGGUOITJISHUJINXINGBUFENYOUHUA,SUITISHENGLEXIAOLV,DANBINGWEICHUJISHENCENGCIBIANGE,YONG“SHUZIHUAYOUHUA”YICILAIDINGYIGENGWEIHESHI。

                  博乐棋牌  SUIZHEHULIANWANGJISHUSHENGJIYUYONGHUQUNTIXUQIUDEBUDUANZENGZHANG,JINKAOCHUANTONGITYOUHUAYIBUNENGMANZUYEWUFAZHANDEXUYAO,BIXUXUNQIUXINDESHANGYEMOSHI、CHANPIN、FUWUHESHOURULAIYUAN,SHIXIANYEWULIUCHENGYUZUZHITIXIDEZAIZAO,YIJICHANPINZHONGGOUHEBOLEQIPAIZHONGSU,ZHEICAISHI“SHUZIHUAZHUANXING”DEBENZHI。

                  博乐棋牌  YU“SHUZIHUAYOUHUA”XIANGBI,SHUZIHUAZHUANXINGSHIJISHUYINLINGXIADEYICICHEDIBIANGE,SHIQIYESHANGYEMOSHI、JINGYINGMOSHI、ZUZHIMOSHIDESHENKEBIANHUA。

                    ZAIZHEIGEGUOCHENGZHONG,ZHAOSHANGYINXINGYIWANGTONGZHIFUYITUOZHAOSHANGYINXINGAPPZHUJIANXINGCHENGLEZIJIDUTEDEDAFA,ZHAOSHANGYINXINGNEIBUJIANGZHICHENGWEI:YUTONGYEYIGOU,YUYIYETONGGOU。ZAIJIANCHIJINRONGZHEIKENEIHEDETONGSHI,ZHAOSHANGYINXINGYIWANGTONGZHIFUZHENGZAIZOUCHUYITIAOWANQUANBUTONGYUTONGYEDELU,YUYIYEHUOBANYIQIGOUJIANLEYIGEDUTEDEHULIANWANGSHENGTAIPINGTAI。

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