Research On The Intelligent Transformation And Development Of JN Bank

In recent years,China's macroeconomic growth has slowed down and the voice of financial reform was getting louder.The market-based interest rate reform,which was closely related to the banking industry,has been put on the agenda.The domestic banking industry is actively seeking a path of sustainable development.With the continuous improvement of the financial market,financial innovation is emerging.The accelerating technology finance and digital economy,the increasingly strict regulatory framework and the risk culture have brought severe challenges to the original profit model,customer mode and operation mode of the bank.In this context,the bank must find the path of breakthrough,stimulate the innovation power,and implement the intelligent transformation strategy of the outlets.In 2014,JN Bank opened its first smart flagship store,attracting a large number of customers with advanced smart tools and smart services.Then according to local conditions,the implementation of intelligent outlets began in the different districts.This paper firstly expounds the relevant background,research methods and significance of the research,combs the related research and related financial theories of domestic and foreign intelligent banks,and lays a solid theoretical foundation for the full text.Secondly,this paper deeply analyzes the problems encountered in the process of transformation and the causes of the problems with the relevant data,information and cases accumulated in the work practice.Finally,in order to ensure the smooth progress of the JN bank network transformation and development,the practical and feasible solutions are put forward.To some extent,it can hopefully provide theoretical support and methodological guidelines for the bank transformation,service improvement,customer experience optimization,core competitiveness enhancement and development of intelligent Bank.