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信雅达    12月31日下午10:25 北京时间
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万豪娱乐 > 万豪娱乐 > 万豪娱乐
VTM颠覆传统银行网点
发布者:信雅达推广部 发布时间:2013-06-13 阅读:10379次
  • 日期:20130515
  • 作者:记者 王迎波 济南
  • 来源:经济导报

万豪娱乐    24XIAOSHIZHINENGYINXINGSHIZHISHANGSHIZHONGXINDINGYILE“YINXINGFUWU”DENEIRONG,YOUJIRONGHELEBENDIKEHUZIZHUHEYUANCHENGZUOXIXIEZHU,WEILAIJIANGBUFENQUDAIYINXINGCHUANTONGWANGDIAN

    ◆DAOBAOJIZHE WANGYINGBO JINANBAODAO

    YINXINGRUGUO24XIAOSHIYINGYE,ZHINENGFUWU,YINXINGWANGDIANPAIDUISHIJIANHUOXUJIANGBUZAISHIWENTI。

    RIQIAN,JINANSHOUJIA24XIAOSHIZHINENGYINXINGLUOHUGUANGFAYINXINGJINANFENXING。GAIFENXINGCAIYONGLEYUANCHENGSHIPINYINXING(VTM)JISHU,SHIXIANLEKEHUZIZHUFUWUHEYUANCHENGKEFUXIEZHUTIDAICHUANTONGJUTAIFUWU。ZUOWEIQUNIANCAIJINRUJINANDEGUFENZHISHANGYEYINXING,24XIAOSHIZHINENGYINXINGCHENGWEIQIYIJUNTUQIDESHASHOUJIAN。

    JUJINGJIDAOBAOJIZHELEJIE,CHULEGUANGFAYINXINGYIWAI,JIAOTONGYINXINGYEZAIJINANFENXINGSHEYOUZHINENGYINXINGFUWU;ZHONGGUOYINXING、ZHAOSHANGYINXINGDENGHAIMEIYOUZAISHANDONGKAIZHANXIANGGUANYEWU。GUONEILINGXIANDEJINRONGSHEBEITIGONGSHANGXINYADAVTMYEWUFUZERENWANGYIENDUIDAOBAOJIZHEBIAOSHI,VTM YOUKENENGDIANFUCHUANTONGYINXINGWANGDIAN,QUDAICHUANTONGJUTAIYEWU。JUCESUAN,VTM SHICHANGDERONGLIANGCHAOGUO800YIYUAN。CHUANTONGWANGDIANXIAOLVDI

万豪娱乐    YINXING“PAIDUISHIJIANZHANG”DENGWENTIYIZHIBAOSHOUXIAOFEIZHEGOUBING,YOUQISHIJIEJIARI、WUXIUSHIJIANDENGXIAOFEIJICHUXINGGAOFENGQI,YINXINGJUTAIQIANJINGCHANGPAIQIZHANGLONG。13RI,DAOBAOJIZHEZAIXINLANGWEIBOFAQIDEDIAOCHAXIANSHI,42.9%DEWANGYOUXUANZELE20-40FENZHONG。ZHIYOUBUDAO14.3%DEBEIFANGZHEPINGJUNDENGHOUSHIJIANZAI10FENZHONGYINEI。DENGHOUSHIJIANZAI20FENZHONGZHI1XIAOSHIQUJIANNEIDEBEIFANGZHEZHANDAO74.9%;LINGYOU11.5%DEBEIFANGZHEDENGHOUSHIJIANCHAOGUO1XIAOSHI。

万豪娱乐    JUIBM SHANGYEJIAZHIYANJIUYUANDIAOCHAXIANSHI,GUONEIYINXINGWANGDIANYONGYUXIAOSHOUDESHIJIANJUNBUZU20%,YONGYUJIAOYI、HOUTAICHULIHEXINGZHENGGUANLIDESHIJIANQUEZHANDAO80%,WANGDIANXIAOLVDIXIA。ZENGJIAWANGDIANSHULIANG、CHUANGKOUSHULIANGHEZUOYERENYUANGURANSHIJIEJUEZHIDAO,XIANGYINGZENGJIADECHENGBENYECHENGWEIZHIYUEGEDAYINXINGDEPINGJING。

    WANGYIENGAOSUDAOBAOJIZHE,JINNIANLAI,YINXINGYEPUBIANZHUANXIANGDIANZIHUAQUDAO:SHOUJIYINXING、WANGSHANGYINXING、YIDONGZHIFUDENGYIDONGJINRONGFUWUHEDISANFANGZHIFUPINGTAIDIANZISHANGWUPENGBOFAZHAN,TIGAOLEKEHUDEZIZHUFUWUSHUIPING。DANSHIFUZADECAOZUOCHENGXU,YIJIDUIANQUANXINGDEDANYOU,SHIZHONGZHIYUEZHEDIANHUAYINXINGHEWANGSHANGYINXINGYEWUDEFAZHAN。CIWAI,YIXIEYAOQIUHESHIKEHUSHENFENDEYEWU,RUKAIHUBANKADENG,ZHIYOUJUTAICAINENGBANLI,JUYOUYIDINGDEJUXIANXING。JINSHAOSHUYINXINGTOURUSHIYONG

万豪娱乐    ZHINENGYINXINGHUOJIANGCHENGWEIPOJIEPINGJINGDELIQI。WANGYIENRENWEI,VTM SHIJIEYUDIANZIYINXINGQUDAOHERENGONGJUTAIFUWUZHIJIANDEYIZHONGXINXINGYINXINGDIANZIQUDAOFUWU,RUGUOSHUODIANHUAYINXINGSHITONGGUO“TING”,ATM JIHEZIZHUZHONGDUANSHITONGGUO“KAN”,WANGSHANGYINXINGSHITONGGUO“CAOZUO”,NEIMEVTM ZESHIJIEHELESHI、TING、ZIZHUHEZHUANRENFUWU,KEFURENYUANTONGGUOSHIPINZHIYINKEHUWANCHENGCAOZUO。

    ZOUJINGUANGFAYINXINGJINANFENXINGDE24XIAOSHIZHINENGYINXING,XIAOFEIZHEZHIYAONAQIERDAISHENFENZHENG,ZAIZIZHUZHINENGSHEBEIDEGANYINGXITONGQIANYIHUI,JIKEJINRUSHENLINGCHUXUKAHUOXINYONGKADEJIEMIAN,TONGSHIHUICHUXIANKEFURENYUANDEZHENRENSHIPIN,“MIANDUIMIAN”、“SHOUBASHOU”DIJIAONIRUHECAOZUO。ERQIEXIAOFEIZHE24XIAOSHIDOUNENGTONGGUOXITONGYUKEFUJINXINGYUANCHENGSHIPINZIXUN,BINGANZHAOTISHIWANCHENGSHENQINGLIUCHENG。

    JUDAOBAOJIZHELEJIE,ZHEIXIANG2011NIANCAIDANSHENGDEXINJISHU,JIEZHIJINNIAN3YUE,JIAOTONGYINXING、ZHONGGUOYINXING、GUANGFAYINXING、MINSHENGYINXINGHEGUANGDAYINXINGDENGDUOJIAYINXINGYIKAISHIXIAOPILIANGSHIYONG,ZHAOSHANGYINXING、NONGYEYINXING、KUNLUNYINXING、BAOTOUYINXINGDENGDUOJIAYINXINGKAISHILEJIEBINGCHUBUSHIYONG。ZAISHANDONGDEJINRONGSHICHANGSHANG,MUQIANZHIYOUJIAOTONGYINXINGHEGUANGFAYINXINGDENGSHAOSHUYINXINGKAISHITOURUSHIYONG,QIZHONG,GUANGFAYINXINGLIDUZUIDA、FANWEIZUIGUANG。

万豪娱乐    GUANGFAYINXINGSHIZUIHOUYIJIARUZHUJINANDEQUANGUOXINGGUFENZHIYINXING,WANGDIANSHAOWUYISHIQIDUANQINEIZUIDADELIESHI。GAIXINGBANGONGSHIZHURENHAOWENGANGGAOSUDAOBAOJIZHE,24XIAOSHIZHINENGYINXINGSHITAMENZUIDADETESE。SHIZHISHANGSHIZHONGXINDINGYILE“YINXINGFUWU”DENEIRONG,YOUJIRONGHELEBENDIKEHUZIZHUHEYUANCHENGZUOXIXIEZHU,WEILAIJIANGBUFENQUDAIYINXINGCHUANTONGWANGDIAN。XINXIFENMOKUAICUNQUFANGXIELU

    WANGYIENDUIDAOBAOJIZHEBIAOSHI,VTM TIGONG“MIANDUIMIAN”DEMONIJUTAIFUWU,FENLIURENGONGJUTAIYEWU,SHIXIANLE“WURENYINXING、YOURENFUWU”DEXUNIHUAWANGDIANMOSHI。

万豪娱乐    DUIYINXINGERYAN,VTM JIANGGAIBIANCHUANTONGJUMIANQUDAODEYEWUCHULIMOSHI,DAFUJIANGDIBUSHUYINGYEWANGDIANDECHENGBEN,HAISHIDEDIYUXINGSHANGYEYINXINGTUPODIQUXIANZHI,QINGSONGJIANGZISHENWANGDIANPUSHEDAOQUANGUODEGEGEJIAOLUO。

    DUIYUXIAOFEIZHE,RUKAIKABANKA、BIANGENGZHANGHUXINXI,JIAONASHUI、DIAN、RANQIFEI,HUOXIANJINCUNQUDENG,FANGBIANKUAIJIEHAINENGMIANQUPAIDUIZHIKU。

    DUIYUYONGHUBIJIAOGUANXINDESHEBEIANQUANWENTI,WANGYIENCHENG,VTM SHIJISHANGSHIJIHELEYUANCHENGZUOYEZHONGXINXITONG、ZHONGDUANSHEBEI、DUOMEITIYUYIN、SHIPINTONGXUNPINGTAIDENGDUOGEMOKUAI,JICHENGLELIANLUOZHONGXIN、GAOQINGSHIPINTONGXIN、JINRONGZIZHUZHONGDUANSHEBEIDENGGONGNENG,SHIATM JIDESHENGJIBAN。XINYADAVTM SHIYONGDEGAOQINGSHEXIANGTOU、SHOUZHANGJINGMAISHIBIE、SHOUXIEQIANMING、ERDAISHENFENZHENGDUQU、ZHENGJIANSAOMIAODENGXIANGGUANSHEBEI,DOUHUIJIANGYONGHUXINXIFENMOKUAICUNQU,FANGZHIXIELUYONGHUYINSI。

    国泰君安的分析报告认为,VTM未来将替代95%以上的柜台业务,市场容量将是目前ATM 产品的2-3倍,具有良好的市场前景,仅我国的VTM市场容量就超过800亿元。2014年,VTM 市场将进入批量推广阶段,2015-2016年将放量增长。
 

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