目 录
一、储蓄存款的现状····················································2
（一）现有银行经营机制限制了储蓄在公平的竞争中求发展················2
（二）没有理顺的货币价格、利率制约银行储蓄与各种金融商品的平等竞争··3
（三）政策决定发展，发展决定银行储蓄的增减··························3
二、当前存款组织工作的难点············································4
（一）宏观政策调整对存款的影响······································4
（二）同行业竞争对存款的冲击········································4
（三）企业集资和民间借贷对存款的分割································4
（四）资金渠道的改变对存款的分流····································4
（五）行之有效的营销手段欠缺········································4
（六）网点临柜人员紧缺，制约着存款业务市场的发展····················5
（七）存款波动性大，给完成存款任务带来了不稳定因素··················5
（八）对公存款拓展难度日益增大······································5
三、加大存款组织工作力度的措施·········································5
（一）提高思想认识，树立科学的存款拓展观念···························5
（二）坚持优质服务，树立良好品牌形象·································6
（三）加强大客户关系维护工作·········································6
（四）完善内部考核机制，调动全员工作积极性···························6
（五）创新存款品种，满足客户需求·····································6
（六）加强基层网点自助存取款机的投入力度·····························7
（七）加快电子化建设步伐·············································7
（八）加强宣传工作···················································7
总结····································································7
参考文献·································································8
论银行组织存款策略
[摘要] 对于银行金融服务机构来说，吸收有效的存款是开展业务，获得自身发展的前提和保障，只有开展有效的存款业务，才能夯实工作的基础。然而，面对当前多变的经济和金融形势，既要经受整体经济环境带来的严峻考验，同时也要应对日益激烈的金融竞争，如何使基层网点发挥自身优势抢占存款市场，开辟负债业务增长的新路径，是需要科学分析、理性面对的重要课题。
关键词：存款业务 现状 发展 对策
