Research On The Upgrade Of X Bank's Primary Branches

With the continuous progress of our society,the continuous development of economy,the momentum of economic globalization is increasing,which forcing China's commercial banking industry to continue to strengthen the business innovation ability,both domestic and domestic development base,but also to seek overseas development.With the national policy of commercial banks and other financial institutions gradually liberalized,market competition gradually increased,especially overseas joint-stock commercial banks to develop faster,more flexible policy,so that some local local commercial banks and even state-owned banks by the A lot of competitive pressure,foreign banks to high-quality products and services for the characteristics of the major domestic commercial banks to become more and more intense competition,can be described as internal and external are subject to a relatively large impact,once dominated by the competitive advantage has been Breaking,especially with innovative payment tools as the representative of the Internet financing channels,so that the competitive pressures between banks become more intense,it is necessary to face the competition of foreign banks,but also by the impact of Internet finance companies.So it also forced banks to innovate,develop new products,provide new services,and constantly improve the commercial banks in the market's overall competitiveness.On the one hand,the network from the simple deposit and withdrawal transactions to product marketing and service marketing transformation,slowly from the previous low value-added outlets to the current value-added network of higher changes.On the other hand,the new service and marketing network should learn to grasp the development of the market dynamics,but also to seize the customer,to obtain customer trust.Different from the traditional transaction accounting outlets,the commercial outlets of modern commercial banks must implement and adhere to the "customer first,consistent" service concept,to provide customers with efficient,professional,high quality,unique product portfolio,so that customers more satisfied,So as to comprehensively enhance thecompetitiveness of commercial banks and the ability to create value,to improve the commercial bank's intermediary business income and profit purposes.In the current increasingly fierce market competition environment,some domestic commercial banks comply with the development requirements of the times,has been ahead of the layout of the grassroots business outlets in the transformation and upgrading,requiring their own primary business outlets to change the existing relatively old service concept,while Change the bank's primary business network business service model,the bank base network transformation and upgrading of domestic commercial banks want to greater development of the basic requirements,but also commercial banks innovation and development of a more important strategic plan.More and more domestic commercial banks are now in the layout of the grassroots business outlets in transition,hoping to seek new growth points to enhance the grass-roots business outlets to prevent and control the risk of risk,improve the quality of commercial banks at the grassroots level of service,thereby enhancing business Performance,to achieve the successful transformation of commercial banks at the primary level of business outlets and bank outlets to achieve the final victory.In this paper,through the comparative analysis,literature research,case analysis and other means,through the relevant research and analysis theory,described the development and transformation of X bank network transformation and upgrading of some of the more practical problems,developed a bank of Jiangxi Bank Jiangxi Branch Flagship network transformation and upgrading of specific programs,other banking network transformation program also has a certain reference value.