Research On The Intelligent Development Strategy Of Huaxing Road Branch Of Postal Savings Bank Of China

The increasingly rapid development of Internet finance has posed a lot of challenges and innovations to the operation and development of traditional Banks.Whether bank branches can adapt to the new requirements of The Times on finance,seize the opportunities and face up to the difficulties has become an important topic that many Banks pay attention to.For postal savings bank of China,a large retail commercial bank,how to find an intelligent transformation road suitable for the development of outlets in the rapid development of Internet and effectively improve the customer service ability of outlets has become the key factor for the success or failure of postal savings bank of China in the competition with other Banks.The postal savings bank of China branches huaxing road is a fully functional network of siping city is bigger with its profound history and extensive mass base,the site was established in September 2008,on May 1,2018 years after the relocation,before the relocation site equipment configuration is more complete,staffing,business development more smoothly,but as a result of branch staff configuration and intelligent equipment configuration without balance factors,such as branch development dynamics is insufficient,slow development,branch urgently to accord with the characteristics of their own development low cost strategy,can in the fierce financial,giving full play to the advantages of its own post office bank characteristics,Enhance brand image and core competitiveness.The research and analysis results of this paper will play a certain reference significance for huaxing road sub-branch of postal savings bank and other branches of commercial Banks in China.This article through to the postal savings bank of China branches huaxing road and operational conditions were analyzed,and the basic situation of the understanding of branch,problems existing in the development of using PEST analysis branch of the external business environment analysis,concrete analysis branch of political,economic,social and technological environment,find out the suitable for the development of the branch characteristic development road,after using the classic theory of strategic analysis: SWOT analysis method,analyzes the advantage of the post office bank huaxing road branch,branch have rich client resources,risk control system more perfect,the enterprise has a powerful system channels and high quality professional team,emphasis on staff skills training and quality promotion work,self-service equipment in multiple regions,provides customers with more convenient and efficient financial services,network environment optimization,integration and diversification management,site personnel and the three rural credit center and "three-dimensional" credit card team,promote each other,complement each other,pay attention to the cross linkage between the department of marketing and marketing,Branch has strong combat effectiveness and execution,through SWOT analysis hing road branch in China,to find the advantage,disadvantage,opportunities and threats,to develop the optimal intelligent development strategy for the development of the branch,on the one hand to the optimal allocation of human resources,in addition to human resources and intelligent equipment perfect correspondence,reduce network operating costs,namely implement low-cost strategy,eventually increase the efficiency of the network operation and management and operating income,branches,high quality and steady development.The analysis and research of this paper provides relevant reference and basis for the formulation and implementation of intelligent development strategy measures of all kinds of commercial Banks in China.