A Study Of Optimization On Bank Outlets Of Pingyin Rural Credit Cooperative

Business network is the main channel of bank customer service the main window and the distribution of the product, is a front to participate in market competition, is the foundation of achieving sustainable management. In recent years, rural credit cooperatives have done a lot of work in the aspect of network optimization transformation, but under the influence of historical, institutional and other factors, compared to other commercial bank branch transformation starting late, small intensity, at present relatively fall behind in ideas, marketing system, operation mode, the problems in network layout is not scientific, function orientation clearly, the service process is not standard, the product category is not rich, marketing ability is not sufficient, staffing unreasonable, evaluation mechanism is not perfect, effective promotion and the business has seriously restricted the core competitiveness of the sustained and healthy development. At present, the reform of rural credit cooperative banks to speed up the pace, how to give full play to their own advantages of network, make full use of existing resources, comprehensive promote good hardware and software strength, so as to improve the comprehensive competitiveness, has become the managers have to face an urgent need to solve the problem.In this paper, in this paper the related theory on the establishment of bank outlets, from Potter's five forces analysis model and SWOT analysis of two kinds of technical means, analyzes the various factors affecting the layout of the network. After consulting lots of related literature data, investigation and the use of data analysis of dot layout situation of Pingyin County, all financial institutions to carry out statistics, combined with the present situation of rural credit cooperative union of Pingyin County distribution network layout, pointed out the problems in the clear, put forward the network optimization of multiple factors to consider. The paper puts forward a new thinking and a new way of network optimization, from the network layout, functional localization, software construction and hardware construction, product construction, dot and evaluation six aspects, so as to improve the network of business development and financial service level, improve market competitiveness.