The Transformation Of Commercial Banking Outlets To Service Marketing Outlets

Site is the commercial Banks to provide important portal service,recommended a variety of products,is also the most important part of the bank.In recent years,with the development of our economy and the globalization of world economy,the scale and mode of commercial Banks are changing so much.Especially in the past five years,the rapid advance of market-oriented interest rate and the customer of the change of the mode of financial consumer,brought challenges to commercial bank branches,bank branch transformation is imminent.This article uses the research method of combining theory and practice,in theory,in the study,on the basis of relevant research results,this paper points the significance and necessity of transition,and the 6S management theory,the 80/20 rule,channel management theory,customer segmentation theory,take the customer as the center of the service management,SWTO analysis,porter competitive advantage theory and theory to the study of network transformation.In practice,take N bank of zaozhuang branch as an example,on the basis of field investigation,Analysis of N bank of zaozhuang branches operating problems and the insufficiency points out the necessity of network transformation,and using SWTO analysis,analysis of N bank of zaozhuang branch transformation of strengths,weaknesses,opportunities and threats.On this basis,this paper puts forward the N bank of zaozhuang branch transformation scheme,mainly includes six aspects: the first one is the network infrastructure upgrades,the key is network function positioning,and then according to the different functional partition of different positioning set;Second,improve the network quality of service,based on customer segmentation,classification,provide differentiated services;The third one is to optimize operation process,according to the types of business,and degree of difficult to tap into different channels,improve the efficiency of service,improving customer experience;Fourth,strengthen the innovation of the products and services,to adapt to the changing market and customer requirements;The fifth one is completes the network management,set up the responsibility,strengthen vocational training and examination;The sixth one is to strengthen the points of enterprise culture construction,strengthen the team consciousness,service consciousness,improve the executive force.