Research On Branch Transformation Of State-owned Commercial Banks

Bank branches is the most essential contact channels between commercial bank and customer.However,The Internet has developed rapidly in recent years,mobile terminals and branch payment platform are diversified,caused a substantial reduction in the number of customers to transact face-to-face business.Furthermore,under the current situation of the growing trend of clients' departure from counter,the drawback to homogeneity in banking products and services has been showing up.Banks take steps,like refining institution system,optimizing the environment of branches,improving service quality,simplifying business process,to gradually make the transition to sales outlets,to create the high value of customer relationship management(CRM).So cash banking services and marketing ability has been more and more becoming the key factors to retain customer,it also brings to the bank staff unprecedented pressure.In such a situation,the banking competition is increasingly intense.There is an agreement on the necessity of transformation: deepen the branch transformation is imminent and bankers have no time to delay.In response to the increasing trend to customers transact business departure from counter,traditional bank branches must be to the "three centers" in transformation ——Centered on the customer experience,product marketing and customer relationship maintenance.Branch transition,ideas first.State-owned commercial Banks must carry out the transition concept of "the core is to serve customers;The key is to change mechanism;focus into open the channels,optimization of process and service;The ultimate goal is achievement on customers also staffs ",deeply embedded the concept of transition.At the same time intensify the training in transformation.The practice of past experience has proved that the key to the success of branch transformation is whether the concept of employees to communication and understanding is accurate,and whether the staff is support.But unite and change the concept of employees,improve the staff's cognition,happen to be the most fundamental and most uphill work.This paper objectively analyzes the transformation of state-owned commercial bank outlets mode,branch transformation project design,and puts forward the branch transition scheme and the main points of implement transformation.This analysis hopes to offer reference and enlightenment of transformation for the state-owned commercial bank outlets in the future.The above content will be expounded from five aspects as follow:Initially,discoursed at length on the background of state-owned commercial Banks and the pros and cons of transition.Including the analysis of the current study of the basic situation of commercial Banks domestic and overseas,lists and explains the research methods of the branch transition and basic frame of this paper.Subsequently,combined with the related concepts of branch transformation and the actual situation of the agricultural bank of Kunming XX branch outlets to build our own model.Also,describing the current situation and the existing problems of the agricultural bank of Kunming XX branch.And on this basis from the two aspects I dialectic analyzed the necessity of transformation.In addition,this paper detail the branch transition scheme and desired results after implementation succeed and demonstrates every step of the transition strategy and the reasons to carry out it.Ultimately,summarize the full text,banking development still has a long way to go to realize transition.I combined with practical work and theoretical knowledge analysis of common sense to solve problems and strategies of Banks transition,hope to attribute anything beneficial to the banking industry.