The Research On The Design And Implementation Of Business Transformation Based On The Commercial Banking Transformation

In recent years, with the Internet enterprise taking strong invasion of the financial industry, the rapid development of the third-party payment platform, such as pay treasure, and innovation of a variety of Internet financial has brought unprecedented impact to the traditional banking business. Internet financial as a particular mode of innovation in financial markets, through information technology, such as the Internet, to the masses of customers to develop new financial channel, is accepted by more and more people. Meanwhile Internet financial deposit and lending business, financial business and the influence on traditional banking commission business, may even lead to the industry’s future development direction appeared deviation, thus the management of the existing banking system and further impact on the competitive landscape, so the transformation of traditional banking has become an irreversible trend. For traditional bank, the bank branch is an important approach of banking .business development, customer oriented, but owing queuing phenomenon of traditional bank branches, complex network business process, simple network facilities, site layout problems such as unreasonable, so with the transformation of commercial bank business, it is particularly important to its network design and implementation.Combining with the domestic and foreign trade related measures in the transformation of bank branches and experience, based on the analysis of commercial Banks, the related theory of transformation and network construction, starting from the present situation of Nanjing Bank branch business transformation, analysis of Nanjing Bank problems existing in current network and transformation of bank branches are faced with the problem and the difficulty in the process, in order to further explore laying a foundation for design and implementation of the Nanjing Bank branches. On the basis of the above analysis, the actual situation of Nanjing Bank business transformation, this paper puts forward the overall design of Nanjing Bank branch transformation and on basis of which, the detailed basic design scheme is raised, from foreign sales, customer service, human resources, business process design, performance management and distribution network of Nanjing bank outlets for six aspects such as the implementation. And for the network transformation key problems to put forward the strategies of the reasonable and effective Suggestions, the transformation of Nanjing Bank network and the level of its overall business and to increase the competition ability have important practical guiding significance.