Research On The Transformation Optimization Of Retail Banking Outlets In Commercial Banks

As the core of modern economy,the financial industry is a way of macro-control and natural allocation of resources,and an indispensable part of promoting social development and civilization progress.Bank as the core part of the financial sector,has become the operation of the national economy,under the background of new era of banking industry to face more challenges,must want to follow the footsteps of Internet development,the pursuit of all-round,multi-angle,high level of development goals;We should pay more attention to the prevention and control of financial risks and maintain the necessary conditions for bank survival.We should also focus on the reform and transformation of banking operation and management,and stimulate sustained development momentum.Bank should not only in scale and business competition,commercial Banks face the non-bank financial institutions,and domestic and foreign counterparts to replace the challenge of the core competitiveness is the key to the competition,the bank's core competitiveness largely reflects is that it can provide stability and convenience,it is facing more and more personalized,diversified,integrated financial demand can provide professional services,but Banks due to the property management industry,there are still some limitations inherent law itself.In the face of such pressure,banks are seeking transformation and development,pay more attention to the retail banking business and accelerate the process of transformation,the transformation of the business outlets of hardware and service processes,to reform the management system,the implementation of professional management,improve network operating efficiency and market competitiveness.This article mainly uses the literature research method,the factor analysis method,the experience summary method,studies the commercial bank network transformation some important steps,The key to the CITIC Bank Quanzhou branch Nanan branch transformation as an example,the transformation of the background,current situation,strategy to promote the transformation of achievements and there are still some deficiencies to be analyzed and summarized,and optimization analysis of China CITIC Bank Quanzhou branch in Nanan next management mode,internal and external channels,personnel structure adjustment and product innovation,service upgrade,enhance corporate culture and other aspects,and puts forward the guarantee optimization of the implementation of the recommendations.