| C Bank is the second-class branch of a state-owned commercial bank whose main business is commercial issues,which includes the business of private finance,public finance and financial market,and is responsible for the commercial banking business of Taian District.Taian City and its counties with a population of about 5.6 million and Taian as the national famous tourist city,the floating population is much bigger in volume.As a result,Banks physical outlets as an important channel of the bank of personal financial business,how to deal with the impact of the internet technology and the challenge of transformation of customer asset concept,becomes the key points for the Bank.Bank physics outlets is a "first window" of the bank’s image,which is the main interface with the customer.C Bank insists on the concept of "Customer-Centric",to change the function and service level of the physical site,to change the traditional patterns,to explore new directions,to incorporate the development of the internet technology and the demand for financial services,to push the "new generation" of the physics outlets model.Now,the physical outlets has been introduced to the ATM and the STM,as well as the electronic banking service area etc.Through the moderation of the customer,They are parts of the business.Now,The most of the outlets have been in the management system to the personnel,the distribution of the outlets,the site,the position,and so on,it’s still in the traditional network,the basic accounting function,and it doesn’t free the staff from the tedious operating work,and it provides the basic banking services to the customer,and it doesn’t have the transformation from the transaction to the service marketing.Its advantage has high brand effect,large number of physical site,large distribution and wide distribution,and abundant staff in service.In this paper,First of all,I analyze C Bank of physics network transformation as an case study,through the PEST analysis and five competitive model on C Bank’s environment analysis,the paper analyze the physical network current situation and existing problems.Secondly,Using the SWOT analysis method to determine C bank transformation strategy.Thirdly,The paper give some suggestions to completing the strategy:through the optimization of human resources,improving the evaluation mechanism,improve the network renovation,channel integration of network transformation,will develop bank outlets for more intelligent,more light,more and more individuality,improve the service quality,improve sales ability,enhance market competitiveness,fill the deficiency of traditional network transformation.All above suggestions are reference for the C bank branch transformation construction. |
