Research On The Network Transformation Of Daqing Branch Of XY Bank

At present,it is the “new normal” with the development of economy and society in China.The commercial banks' business environment is changed intensely,especially in the background of the accelerated promotion of the interest rate market.The current banking competition become increasingly fierce competition in this environment of“financial disintermediation” and the “internet of finance”.And under the situation of gradual narrowing of space,the traditional profit model faces more and more challenges.Therefore,the commercial banks have to begin to transform and upgrade their business,in order to improve the profitability and market competitiveness.Based on the study of XY bank Daqing Branch,this paper tries to find a solution.Firstly,It introduces the concept and function of branch transformation,the theory of branch transformation in detail.Secondly,it introduces the current situation of XY bank Daqing Branch,the situation of management and the existing problems in the development,the reasons of reforming and transformation.And then,it puts forward some solutions and suggestions for XY bank Daqing branch,including the layouts reforming,the business transformation,human resources management,and service transformation.Lastly,it makes some measures to guarantee the operation of this reforming and transformation smoothly.Reasonable network transformation scheme design contributes to improve the operating environment of the network of daqing branch.It also improves network quality of service the efficiency of its operation.It leads to he shift of network from traditional settlement type to service marketing gradually,and improvement of the network profits and market competitiveness.