Research On The Transformation Of Operation Mode Of Ningxia Branch Of Bank Of Communications

With the rapid development and application of mobile Internet,financial technology and artificial intelligence,the services and business models of traditional channels of banks are facing tremendous changes,and the development trend of online and offline channel integration has taken shape.The grassroots business organizations are no more important profit centers,extension channels,marketing positions and service windows of commercial banks,but also the indispensable basic channels for banks to support various customers and support business development,even own the differentiated competitive advantages of Internet finance.In the long run,the business organizations are difficult to be replaced by other channels due to its advantages of advantages such as public-private linkage,close to customers,security and privacy,service experience,brand image,etc..Commercial banks must look at long-term and forward-looking planning,accelerate the pace of network operation mode transformation,better enhance and leverage their high-coverage,multi-touch,and excellent service offline channels,expedite the consolidation of online and offline integration development,and focus on upgrading the capabilities of financial outlets.This paper combs the relevant theories of the transformation of commercial bank outlet operation mode,discusses the impact of Internet finance on the operation mode of traditional commercial hank outlets,and deeply analyzes the current operation status of Bank of Communications Ningxia branch network,and studies the progress and problems,such as unreasonable layout of outlets,single authorization mode of smart devices,and low efficiency of human resources,during network branch transformation,Combined with excellent domestic and international experience,program strategy is proposed from several aspects,such as clear development orientation,channel construction reinforcement,service models optimiazation,marketing concepts upgrade,and staff capacity development.