Research On The Scheme Design Of The Transformation Project Of The Meishan Branch Of Agricultural Bank Of China

Financial disintermediation, interest rate market, the capital adequacy ratio,the future growth... Commercial banks continue to face new challenges. Thetraditional spread income dependent manner to achieve profitability and growth hasbeen difficult to adapt to the new situation of competition, commercial banks haveto focus on the middle of the banking business, and to create, improve intermediatebusiness income, the retail business has become everyone invariably strategicdirection.Banking outlets are operated windows and foundation, with the increasinglyfierce competition in the industry, the development of the retail banking networkhas become the most important business management resources and servicesmarketing platform. High degree of homogeneity in the product today, the networkhas been in the past extensive competitive strategy of extensive cultivation scalefight, into connotative now fight the fine management services. In other words, bythe extension and expansion into soft power competition Competition, which is whydomestic commercial banks will branch transformation as the entry point for thetransformation of the retail business and the end result, have launched a branchtransformation project, with outlets in the same industry deepening transformation,ABC is faced with great opportunities, but also to accept the challenge.In this context, the paper through use of relevant business transformation andstrategic management theory, the use of literature, case analysis and the theory andpractice of combining research methods, learn from the practice of commercialbanks, retail business development and branch transformation experience, firstMeishan ABC outlets operating status of the sort, analyze; Secondly, from thenetwork location, network location and planning, network function zoning, frontand sales process optimization, network status and performance management,network management, network transformation six culture key aspects of starting, thetypical case in Meishan ABC conducted a branch transformation program design;Finally, from the bank branch transformation in the first stage of practical problems exist starting attempt countermeasure discussion.