Research On Bank Branches Transformation Of Agricultural Bank Of China Suzhou Branch

For a long time,the loan-deposit spread and all kinds of fees charged are the main sources of profit of commercial banks in China.However,with the new normal of China's economic development and the slower economic growth,the growth rate of deposit and loan is greatly affected.At the same time,the interest rate liberalization reform is advancing and the loan-deposit spreads is gradually narrowed.For commercial banks seeking profit maximization,the traditional scale expansion bank branches management mode is facing great challenges.Under this background,this paper studies the grassroots outlets of agricultural bank of China Suzhou branch,analyzes that this branch has quite a few problems the problems such as unbalanced development between sub brunches,unscientific assessment mechanism,weak of customer segmentation and maintenance and unreasonable customer structure.Therefore,the transformation and promotion of grassroots outlets are imminent.Through SWOT analysis,this paper objectively presents the advantages,disadvantages,opportunities and threats of agricultural bank of China Suzhou branch,which further shows the necessity、 urgency and feasibility of the transformation of agricultural bank of China Suzhou branch's grassroots outlets.What's more,based on the successful transformation cases of domestic and foreign banks' outlets and combined with the actual situation of agricultural bank of China Suzhou branch,this paper puts forward some concrete countermeasures for the transformation of agricultural bank of China Suzhou branch: optimizing the unified planning of outlets,and defining the functional positioning of outlets;Optimize the business process and clear job responsibilities;Strengthen network specialization and improve network service level;Make full use of the internet and big data to achieve accurate marketing;Reasonable set up performance appraisal and fully mobilize the enthusiasm of employees.