Study On The Transformation Of B Bank Branches

Nowadays as the domestic economic climate changes, financial reform continued to deepen, especially the advancement of interest rates liberalization, bank spreads narrowed,with the addition of measures taken by new internet companies represented by ali financial in the field of payment, settlement and financing, traditional bank management faces great challenges. Bank branches as the main channel of customer service, market development and profit realization, it is imperative to transform.By means of theoretical and practical methods, based on a large amount of network transformation research at home and abroad, this paper analyses B bank branch management current situation, finds out the problems existing in the management process, and fully illustrates its necessity of the transformation. SWOT analysis at the same time, through comprehensive consideration B bank’s strengths, weaknesses, opportunities and threats of the four factors to analyze its competitive ability, and help to accurately making branch networks transformation plan.This paper proposes a relatively complete operational branch network transformation content and implementation plan. With an overall consideration of accurate positioning network function, reasonable functional partition, optimize configuration of channels in order to enhance the capacity of service and marketing, improve core competitiveness, the project covers job allocation, staffing, performance management, operational efficiency, marketing, service flow, and branch network culture, follows the principle of "one point one strategy" and the strategy of” typical demonstration, step-by-step advance”. This research may provide reference to the branch networks transformation of B bank and other commercial banks.