Construction Of Commercial Bank Outlets

Bank outlets are the bank’s basic organizations that are served for people. It is a window to offer marketing and service to meet the financial needs of the people. It is the bank’s most important marketing channels. Bank outlets’ construction directly affects the quality of its image and reputation; thereby it affects the development of the bank. Since the bank financial services are face to face interactive services, the excellent outlets services can improve customer loyalty and win more customers. Thereby it will maximize its financial profits. Excellent outlet is an important competitiveness of a bank, which competitors cannot copy. Strategy and operation operates a direct impact on the level of functionality and efficiency of the bank channels.Bank outlets construction is based on the regulatory environment, market competition, customer structure, technical environment and the bank’s internal business product development, regional location, and management strategies, TO adjust its distribution, function, business processes, risk management, etc. Change the bank outlets from a passive trading center to an active customer relation center.This paper firstly analyzes the background and significance of the subject, including theoretical and practical significance. Then it reviewed relevant research literature about the construction of commercial bank branches. Secondly, it summarizes review of relevant theory of bank outlets strategy and operations. Thirdly, it reviews and summarized the history of the state-owned commercial bank outlets in the construction process. Fourthly, it summarizes construction experience of interbank and foreign bank from the perspective of both strategy and operation. Then the paper goes on empirical research in which principal component analysis is used to investigate main factors which affect the construction of commercial bank branches. Fifthly, it puts forward the future trends of state-owned commercial bank outlets construction. Sixthly, it offers some ideas to optimize the bank outlets construction from the perspective of both strategy and operation.This paper argues that the future of bank outlets will be coordinated with the development of e-bank, and its service will further tilting to retail banking. So banks need to prepare adequately to adapt to this change. Here are some ideas:(1) to further change philosophy;(2)to deepen the reform of banking operations;(3)to optimize the outlets layout;(4)to optimize outlets operations.