Research On The Transition And Development Of Physical Channels Of Commercial Banks In China

With the acceleration of interest rate marketization,the traditional profit margin of domestic commercial banks has narrowed,the operating costs of bank outlets have increased,the trend of financial disintermediation has emerged,and the rapid rise of Internet finance has brought tremendous impact on the service channel model of traditional commercial banks,the way of gathering and retaining customers and the layout of scenes..The research on the transformation and development of domestic commercial banks' physical channels is of great significance to the construction and management of banks' physical channels,the optimization of service process,the improvement of service efficiency,the improvement of customer satisfaction and the improvement of wind control level.Firstly,this paper introduces the background and objectives of the transformation of commercial banks' physical channels,and summarizes the characteristics of the development of banks' physical channels and the problems encountered in the transformation.Referring to the fixed-point Transcendence Theory and Boston Consulting Group Law of the United States,and applying the principle of balanced scoring,this paper discusses how to optimize the structure of network business,make good use of light network to make regional layout,give full play to the role of labor combination and allocation of network staff,realize the coordination and complementarity of network functions,enhance the application level of intelligent service mode,and strengthen the application of network services.Risk prevention and control,monitoring and management,as well as from the contribution and growth of the two dimensions of the bank outlet evaluation.The results show that the physical channel transformation of domestic banks should focus on optimizing the layout structure of network,strengthening the intelligent construction of network,building a network management system,and breaking the barriers to network post settings,further optimizing the allocation of labor resources,ensuring the coordinated development of post services,and upgrading the "intelligent security" management.Ping,promote the construction of "smart network",establish and improve the network evaluation system,objective evaluation of network operating performance and value contribution.