| With the continuous progress of information technology,with the support of mobile payment,Internet of Things,big data,cloud computing,artificial intelligence and other emerging technologies,people's lifestyle has changed dramatically,and economic development has entered the era of data.Emerging technologies are constantly penetrating into various industries,changing people's behavior and cognitive habits imperceptibly,and all industries are expanding.New business operation mode and management concept.Business outlets at the grass-roots level of commercial banks provide financial services to customers.Business outlets not only recommend products to customers,absorb deposits,but also make profits by issuing loans.The rapid rise of Internet finance has a great impact on the status of commercial banks.Facing the irresistible new challenges,commercial banks have made decisions to transform physical outlets from traditional transactional banks to retail banks.Based on the original business and customer base,they have formulated sustainable development strategies and re-established their physical outlet business by using big data and artificial intelligence.Comb and optimize,reduce repetitive labor,improve the efficiency of network employees,strengthen the sales and service capabilities of network employees,enhance customer loyalty and satisfaction,find new profit growth points,and improve the core competitiveness of bank outlets in all directions.Only with the ability to resist diversified financial shocks can we continue to operate in a competitive market.Combining with the theoretical research results of the transformation and development of bank outlets and financial science and technology means,this paper focuses on the analysis and research of the operation and development of the grass-roots business outlets of Inner Mongolia Branch of Bank of Communications.Through the study,it is found that the operation of the network outlets of Inner Mongolia Branch of Bank of Communications has the following characteristics: low intelligence of equipment and equipment,fewer customers,long business process,and poor professional quality of the customer managers.These problems are not uncommon in bank outlets,which objectively reflects the lack of research and judgment on the market trend,the confusion about the future development of bank outlets,the optimism about the visible crisis and the failure to solve the problems in time.These negative factors lead to commerce.In the early stage of the rapid development of Internet finance,banks did not put forward effective strategies.Ifthere were no many means of supervision to control the crazy development of the Internet and third-party institutions,the bank's customer base and profits would shrink dramatically.It is not too late for commercial banks to strengthen their comprehensive strength by means of science and technology,mainly including management methods,business processes,product types,service channels,staffing,performance appraisal,and so on.At the same time,they formulate development policies,regard retail business as the main competitive field,and gradually increase the proportion of retail business.Based on the study of relevant literature,combined with the bank network transformation theory,financial science and technology and other related knowledge,this paper analyses the existing problems of the Inner Mongolia branch of the Bank of Communications,and puts forward the development goals of the transformation.It also puts forward some suggestions on business process optimization,multi-channel integration,the improvement of the comprehensive ability of network personnel,the establishment of a new marketing system,and the application of intelligent technology.Suggestions should be made to formulate specific implementation plans for the successful transformation of network outlets in an all-round way.Finally,in order to promote the smooth implementation of the network transformation program,the corresponding safeguards are put forward. |
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