Research On The Transformation Of Bank Outlets Based On Retail Business

China's economy is now transforming from the extension development to the intension development.Series of financial reform continued to deepen,such as the marketization of interest rate and exchange rate,which is challenging to the old profit pattern of banks.The Internet financial grows rapidly,it's bringing a huge challenge to the traditional commercial banks.Commercial banks have all started the strategy of branch transition to enhance the management and competitiveness.This paper linked the theory with practice,analyzed the current situation of China's commercial banks after the study of branch transition's theories.By learning the advanced experience of foreign and domestic banks,it concluded the trends of branch transition.It chose the Shanghai Pudong Development Bank,Nanchang Branch as the object of study based on the retail banking aspect,and analyzed the situation of its branch management.Then it determined the strategy of branch transition which considers the customer as the center.It's guided by the light-weight and intelligent trend,and carried out by seven steps – accurate the positioning,clarify the purpose,modularized the layout,rationalize the process,intelligentize the service pattern,scientize the management mechanism and humanized the enterprise culture.In the last part,the paper chose sales department as the research object to figure out a workable solution of branch transition.