欠发达地区银行机构业务创新初探

目前,银行机构新业务收入逐渐成为银行利润新的增长点.但欠发达地区银行机构由于地方经济欠发达、信用基础较薄弱、经营观念落后、人才资源匮乏、资金投入不足等原因,导致业务创新科技含量低、交易数量少、获利能力弱,严重影响了银行机构的利润水平.为此,欠发达地区银行机构应转变经营理念,加强硬件建设,提高人员素质,科学市场营销,逐步提高其业务创新能力和利润水平.

Researches into the Business Innovation of the Banking systems in the Underdeveloped Areas

The income of the new business has become the new growth point in the banking systems.But the inadequate economic development,weak basis of the credibility,outdated operation concept,shortage of the personnel resources and less investment,etc,of the banking system in the underdeveloped areas are seeing a low content of scientific innovation,inadequate transaction amount and weak profit winning capability,which greatly impacts the profit level of the banking system.To make a change,the banking systems have t...