Research On Strategy Of Intelligentize Transformation Of Wuxi GD Bank Outlets

Throughout the financial markets at home and abroad,and financial institutions in the industry competition is increasingly fierce,the traditional commercial bank is facing the impact of foreign Banks and domestic non-banks,domestic financial market is a piece of the red sea.Foreign Banks from a size and strength are leading the domestic traditional and bank business level.And its key still should see their own enterprise core competitiveness,and the core competitiveness of commercial Banks lies in its product,service,after-sale,lies in the commercial bank market insight,through direct communication with the customer in the offline bank branch locking customers,by continually improving network all aspects of the comprehensive function,improve the commercial bank market share in the market.For domestic commercial bank market increasingly fierce,most of the bank's move is to speed up the network construction,from the points of hardware facilities to systematic service process,and finally rises to the operation and management system are made innovation,the implementation of the professional service process,vigorously improve the efficiency of the network and the network of core competence,should time development,transformation of traditional Banks should be combined with their own characteristics,give full consideration to their own status and requirements,the rationalization adjust.With the continuous development of Internet technology,the "Internet +" has become the development trend of the future,is also a country attaches importance to the development of the project,the Internet financial also into explosive growth,from the first mobile phone,PC payments to various financial management project,this period also sprung up lending to various network platform and a series of Internet financial products.From the national strategic policy into consideration,in the people's congress mentioned # 19 key support of the communist party of China Internet project,national policy as the development of the Internet financial strong support.This is the trend of development and cannot be stopped.Meanwhile,the business volume of traditional bank branches has fallen sharply relative to the previous ones,which is the inevitable impact of the Internet on traditional branches.This requires bank branch to make innovative transformation,from the operation level of the staff personnel management mechanism,product innovation,network layout and so on all aspects to make changes,so as to improve the market share of the network,in this way can not be engulfed by the Internet under the trend of financial.Bank branch is a small branch of the bank business activities,is directly to the customer's key battleground,outlets to set basically very similar and can highlight their own advantages,various colleagues products appear in front of the customer no competitiveness,enterprise network layout is unreasonable,ultimately resulting in a decline in customer satisfaction,so the core of the transformation is based on the user as the center bank branch financial product development to meet customer demand characteristics,the formation of user-centered marketing model,a more humane process,more professional business level,set up reasonable staffing and appraisal mechanism,integrate resources building diversified network.This paper through the analysis of the relevant theoretical knowledge of the bank branch,analysis the domestic and foreign research results,and with everbright bank,wuxi branch as an example,analysis the present situation of the network transformation,and make a swot analysis,finally make GD bank,wuxi branch network intelligent transformation strategy and implementation plan.