Research On Bank Branches Transformation Of W Sub-branch Of ABC Suzhou

With the further liberalization of financial markets, and substantial cross-regional business small banking institutions, the banking business becomes more competitive and intense. As the development of Chinese banking industry,profit from retail bank is the main part of commercial banks. Mc Kinsey & Company, the well-known consulting organization, points out that at the year 2020, the revenue from retail banking will reach 1500 billion RMB in China. The Transformation is badly needed for bank branches to meet the changes.However, for a long time, China’s state-owned commercial banks, pursuit of savings and loan size under the savings and loan spreads, expand extensively.However, due to the early pre-branch transformation of domestic banks more work is reflected in the network layout optimization, functional area, channel integration and other hard transition, in the soft transition network resource allocation, institutional innovation, performance management, service and cultural issues have not yet touched, in to some extent, restricted the outlets to enhance the core competitiveness of this study aims to Suzhou branch of Agricultural Bank of China under the jurisdiction of the status quo level network management analysis on the problems and shortcomings of its in-depth study, learn from the success of retail outlets transformation experience to propose a set of network transformation path operability. Through the use of literature analysis, systems analysis and other methods, the first domestic and foreign bank branch transformation quoted theories; secondly Analysis Branch of Agricultural Bank of China branch in a level operating status, analyze the main problems; then analyze, learn at home and abroad in recent years related to branch transformation experience; ultimate combination of branch transformation objectives on the basis of a comprehensive analysis on the proposed transition plan accordingly.