农业银行流量经营模式的发展策略研究和设想

The Research and Ideas on the Development Strategy of the Flow Management Pattern of Agricultural Bank of China

在互联网金融异军突起和利率市场化全面实行的双重影响下,商业银行传统上依靠存贷利差来获取收益的经营模式已难以为继,而流量经营模式作为商业银行转型后的新型经营模式在发展方式上与传统业务模式有着极大的不同。富国银行作为美国著名的零售银行,在业务发展经营上有很多值得国内银行学习之处。本文通过分析富国银行的发展经营方式特点,为农业银行流量经营模式下的发展策略提供参考借鉴。

Under the dual influence of the appearance of the Internet finance and comprehensive practice of the interest rate liberalization, commercial banks’ traditional business model relying on spreads to obtain profit is unsustainable, and the flow man-agement pattern as a new business model after commercial banks transformed is greatly different from the traditional business mod-el in the development mode. There is a lot for domestic banks to learn from WFC which is a famous American retail bank on business management. By analyzing the characteristics of WFC’s development and operation mode, the paper provides some reference for banks’ development strategy of the flow management pattern.