Wenzhou Agricultural Bank Retail Branch Transformation

In recent years, as banks and business customers and increase the amount of scale, resulting in varying degrees, bank outlets long queues, rising customer expectations and actual experience is inconsistent, resulting in reduced customer loyalty, will require that the outlets from the traditional transaction Type into the channel to enhance customer satisfaction and an important channel to increase sales. Wenzhou private economy, private economic development, social dividends, the financial sector in Wenzhou, the banks were unanimous in the sights of retail banking, can say:"get the retail business who in the world." The retail outlets operate as commercial banks, the most basic unit, which determines the vitality of the retail business to the success or failure. As a large public bank branches, Wenzhou City Branch of Agricultural Bank of China in the local industry to establish and maintain a dominant position in retail banking, retail and branch transformation imperative!This paper analyzes the retail banking branch transformation of the background and significance, clarifying the basic Wenzhou ABC retail branch transformation of meaning. The second part is more for the current retail banking services to pursue profit chain model, twenty-eight law, long tail, core competencies and marketing management theory to analyze reference. The third section describes the impact of Wenzhou Economic and financial environment SWOT analysis of the Agricultural Bank of retail outlets, retail outlets and then transformation of the Agricultural Bank of Wenzhou shows the necessity and urgency. The fourth part of the Agricultural Bank of China Wenzhou actual retail bank branch transformation study describes the implementation of specific measures for network transformation strategy and implementation path. And through case studies, we can observe how the transformation of retail outlets in a specific implementation of grass-roots units, draw grass-roots network of retail banks in the transition to the positive role and the need for improvement. Part V of the Agricultural Bank of Wenzhou proposed retail outlets to ensure a successful transition requires the support system at all levels; the sixth part of the article is concluded, Wenzhou developed economy with abundant capital, and cultivate a good financial environment, retail banking business is becoming the financial sector development and competitive focus. Agricultural Bank of China Wenzhou branch transformation that the timing of the implementation is appropriate, the conditions are mature. Branch transformation is innovative, we must adopt new ideas, outlets transformation of necessity and urgency of common understanding. Accelerate the transformation of retail outlets, in conjunction with the specific circumstances of the retail outlets, clear positioning, programming, optimization process, intensive training to enhance the lobby management, and establishment of an effective appraisal system, and promote service rebranding strategy, the real retail outlets from traditional transactional changes-to the network marketing model, which will benefit the Agricultural Bank of Wenzhou, the "points, wide, long front" of the network into a number of advantages of scale advantages of scale, is the Agricultural Bank of China to continue to lead the industry in Wenzhou location the only way.