| In recent years,the rise of Internet banking,the popularity of Alipay,WeChat,Caifutong and other products,driven by the vast number of consumers to take a more convenient way to access,transfer,payment,physical outlets banks gradually neglected outlets,trading volume continued to decline in the past twenty-five years,so how to physical outlets In order to give full play to its maximum value,transformation has become one of the key problems in the internal governance of banks.In addition,with the rapid development of science and technology and the improvement of computer application level,the analysis and application of "large data" has become one of the most important application means to solve the problems in all walks of life.The banking sector is also working on "big data",trying to find useful information from the huge data through collation and analysis.By summing up the experience of the advanced commercial banks with full coverage of the bank's business,the present situation in China and the work experience of the author in the state bank as a breakthrough,the key analysis of a state-owned bank,and the analysis of "large data",strive to "speak with a number of data" and cooperate with relevant financial theories.This paper reveals the growth process and development status of the bank physical network in the field of governance,refines the shortcomings of the current physical network and the transformation scheme,and hopes to help the bank physical network find the future development direction. |
