Research On The Transformation Of The Service Mode Of State-owned Commercial Banks Of The A County

After the 2008 global financial crisis,with the accelerating process of RMB internationalization,increases the free convertibility of the yuan and the investment opportunities,expand the overseas financial markets,the development of the assets and liabilities business space,but at the same time the bank industry in the increasingly severe competition between domestic and international.With the development of Internet and information technology,the traditional banking industry has gradually entered the new normal of change.In 2015,the central bank abolished the ceiling on bank deposit interest rates.In the same year,the non-performing loan ratio of the big five state-owned Banks rose sharply,all above 1.4%.Financial disintermediation,financial liberalization,the entry of private capital into the banking industry and the competition of foreign high level Banks have exerted a strong impact on traditional banking industry.Rapid economic and social development,and the shareholding system reform of state-owned commercial Banks,under the background of new era needs to do a good job in the county branch management transformation,realize sustainable and healthy development of the county subbranch of a bank,it is also a state-owned commercial bank management is more arduous task.First of all,this article on the basis of research results at home and abroad for reference,further study of the theory of financial deepening theory and regional economic extract which is suitable for the county,the theoretical basis of the transformation of state-owned Banks for the county state-owned Banks transformation strategy research vision;Secondly,in this paper,A county of the state-owned bank service mode transformation of macro environmental pressures facing the industry faced with the opportunities to make A comprehensive discussion,put forward A county state-owned commercial bank service mode transformation low network coverage,the development orientation is not clear,business process and human resource shortages,defects;Again,through analyzing the case of A county construction bank on A county construction bank from the microscopic management present situation and the problems and the implementation of the corresponding transformation strategy,in order to solve A county references are provided for the transformation of state-owned commercial Banks;Finally,put forward to establish a comprehensive financial service platform,focus on customer research,process optimization,improve human resources management,optimization of the state-owned commercial bank service mode transformation of the organizational safeguard change strategy,such as for the county state-owned commercial Banks in China provide reference service mode transformation.