Two Branches Of The Bank Of China Retail Business Transformation

The banking industry is in the social economy environment which changes constantly,only adapts with the environment change,can accurately grasp the development opportunity timely.The economical development,the policy and law,the population factor,the social culture and the technical factor constituted the macroscopic environment,and they decide the basic development concepts of the banking.But the customer and the competitor is the banking industry's main microscopic environment,they decide the concrete management plan of the banking.Enter into 21 centuries,the huge variety experience by the management environment of the our country banking,to our country banking principle of management and business structure,the adjustment influence the environment factor mainly have 2:one is the IT technical development,two is China joined in WTO.Since 90's,modern science technical development, especially the network technique is used extensively in the bank,lower business cost consumedly,thus retailed business realm to expand to provide the most valid technique support for the bank,make the development of retailing the financial product pass by mail directly,the telephone,Internet carries on a target to subdivide of the promotion activity make possible that retailing business to become the important outlet that the bank obtains profits gradually,it is in the bank profits of the specific parts rises to 30%-60%, even higher,retail business to be gone inside fame for the future exist necessarily contend for of ground.Along with the end of 2006 the finance opens completely,the foreign capital bank net point expands a step to speed,the high level customer fights in the domestic will more vigorous,comparing foreign capital bank,science and technology,system and product develops ability's etc.stronger synthesize a competition ability,the local commercial bank has a necessity under the premise that own a net to order,customer resources etc.advantage order a business development to carry on a transformation to the net,ordered an outlet to carry on a reformation to the net before the foreign capital bank do greatly,develop middle business,such as,personal finance managing,credit card,and etc.strongly in the meantime, raise out bank the customer's loyalty.According to the bank of China outlets conditions,the outlets retail a transformation to mainly have:One is carry on an outlet reformation, reposition of redundant personal low level customer and low level business, lower service cost,slant resources mainly to medium and high level customer and tilt the medium and high level business to one side;Two is construct strongly a team of customer's manager,financial management manager,big hall manager,provide difference service,mainly service high level customer and develop personal consumption loan and credit card,personal finance management,personal knot to sell to remit etc.middle business.The Chinese bank grass-roots net construction can not yet adapt the development now,mainly problem is in though that the outlets repair up still exist enough meet expenses, greatly parts of outlets not yet divide area service;Construct in the troops up,big hall manager,finance managing manager's in the net still isn't an essential post,its post job to also meet a request incompletely;The net orders a fixed position not and definitely,the public and private business so faintly, usually only 1/3 of the resource put at the public business,waste resource, Meanwhile,the outlets manpower have no key point,only emphasize to relief the operation pressure in the counter up,do not order a potential to order to throw in a bigger resources to establish an exquisite article net to order to the point net according to each net.So,this text puts great emphasis on the adjustment,point business that the integration,brand of outlets order, main business like retail loan,credit card,personal payment,owe debt business,and financial management product construction etc.,the purpose lies in abundant outlets service and lower service cost,practicing difference to turn means,raising retail business compete ability,replying retail business competition in the future.