The Project Design On Transformation Of Retail Bank Outlet Of Zhengzhou Branch Of China ZX Bank

Unceasingly, With the rapid development of china’s market interest process and the internet finance, a great changes have been taken place in the business environment of commercial bank。Undoubtedly, The traditional profit model is difficult to keep going on, under this case, the commercial bank is forced to adapt the development strategy to circumstance of market, and change the development patterns from traditional profit model, which mainly dominated by the savings and loan business, to the modern one。It is very necessary to re-examine positioning of the retail business market and develop a new profits growth point under the new modern profit model. But, owing to fast growing of the retail banking business and the costs in the outlets operating, the queuing phenomenon and the discrepancy of expectant and actual experience have become a really serious problem to commercial banks. To be specific, the loyalty is cutting down to commercial banks among customers, and the customer is flowing away, and so on. Those situation above-mentioned produce a bad effect on bank outlets which are the main channels to increase clients and sales to the bank, such as competitiveness declined on the aspect of bank profit. Therefor, the market positioning strategy of commercial bank ought to be changed. On other words, the modern profit model,providing financial service and products sale, that is based on sales and services must take the place of the traditional profit model which keeps a watchful eye on the savings and loan business.This paper is based on the integrated use of finance, management, system theory and the economics of the related economic management theory. Firstly, with the starting point of the concept and necessity of transformation of banking outlets, I’d like to analyze the universal situation on transformation of banking outlets nationwide, Meanwhile, I’ll refer to the concepts、significance and requests concerned about. Secondly, it is mainly to demonstrate the necessity to transformation of banking outlets. In order to make it, I’ll take the current situation and potential problem of Business development of ZX Bank into consideration.Thirdly, Considering about post setting、business process management、customer management and performance assessment, I’ll propose a transformation of banking outlets program, reset the segment setting of physical function and build the part hardware environment reasonably according to the transformation program. Through the above-mentioned efforts, the comprehensive competitive power of banking outlets will be Strengthened largely. Finally, in order to implement the transition of Zhengzhou Branch, ZX Bank, successful, this paper also put forward the safeguard measures of banking outlets transformation implementation.