Personal Financial Services Of Retail Outlets' Transformaition Project Of Construction Bank Of China Liaoning Branch

With China's rapid economic development, improve the income of the banking services is also changing, as early as in the attitude of the poor, hard to line up, the low efficiency of business issues can not tolerate the reality of the people in 2007 put forward a series of The various proposals for the banking industry. Throughout more than 20 years of reform, the traditional banking heavily on the public business, light retail business, so as to the long-term deposit and lending interest rate to maintain the survival and development of the banking industry has become a traditional bank typical signs, it ignores the individual retail services Sense of personal financial services now become the banks short of the plate. In contrast, foreign commercial banks, personal financial services to the advantages are very clear that they have a flexible and diversified business model and type of business, be able to provide customers with more comprehensive services to meet diverse customer demands. At present, large international banks in business receipts in the proportion of personal finance in general 30-70% between. Domestic banks become so strong pressure and a tremendous challenge. Construction of how to develop personal financial services, and to shorten the gap between the international banking, and retail outlets transformation of the building in order to establish China's banking sector for the development of personal financial services network business model is worthy of serious study of the important issues.In this paper, a fact-finding and investigation of the indirect method, the Construction Bank in Liaoning Province branch retail network of personal financial services of the current situation and problems are analyzed and studied by Bank of America personal financial services network business model of comprehensive analysis, Summarized from the organization, positioning network to seven, and other performance worthy of the Liaoning Provincial Construction Bank branch retail outlets transition from the project. After the comparative analysis based on the personal financial services Xingjian Hang retail network transformation project design and implementation of the contents of the need to pay attention to the problem:First of all, should be customer-centric network set up positions and roles, and optimize the allocation of staff; to be followed by the implementation of the "Hall of winning" strategy to redefine the role of hall manager, further clarified the lobby of the functions and responsibilities of managers; should focus on encouraging and the third team to shape a positive spirit of the network and service culture; fourth counter to enhance the quality of business processes, Taiwan separated before and after the realization of business; at the same time to set up a reporting system for measuring and assessing the appropriate staff to change models and processes; final should be established with the network transformation to adapt the business environment in order to solve the Liaoning Provincial Construction Bank branch retail network of personal financial services of the existing problems.The thesis is divided into six parts. In partâ… , it is the foreword. In partâ…¡, it introduces the theory of personal financial services retails outlets in transition of commercial banks. In partâ…¢, it analyzes the status issues in retails outlets of CCB. In partâ…£, it introduces the business model in retails outlets of Bank of America overseas. In partâ…¤, it brings forward the retails outlets transition program for CCB to design and implement.In partâ…¥, it is the tag.