Research On The Intellectualization Problems And Countermeasures Of X Bank Branch Operation Mode

The rapid development of information science and technology,but also more and more widely used,our world is brewing a major innovation and break through,human productivity toward a higher level of intelligence has become inevitable.Intelligent commercial banks are also inevitable trend of the times.The intellectualization of Bank X's network relies on the intelligent counter,and the intelligent counter is re-shaped through business processes,hoping to migrate as many counter non-cash business as possible,which is bound to carry out process reform: This is the X Bank's network is promoting a profound change from "teller-centered" to "customer-centered".In the final analysis,the intelligent mode of operation is to improve channels and optimize products.This paper focuses on the status quo of the intelligent development of Bank X network,objectively describes some achievements of the X network since the implementation of intelligent reform,but also analyzes the difficulties and bottlenecks faced by Bank X network in the process of promoting the intelligent operation mode.The article not only analyzes and compares the customer experience,cost,efficiency and so on,but also analyzes the problems brought by the intellectualization,such as the placement of spare personnel,the risk of machine operation,etc.through various kinds of reference materials,and the author himself.After analyzing and using the knowledge and working experience I have learned,the author puts forward some countermeasures to solve the problems in the process of promoting intellectualization of X bank outlets,which includes strengthening the intelligent risk management of the operation mode,enhancing the integration of the intelligent operation mode of the operation mode,enhancing the intelligent business acceptance of the operation mode,and facilitating the personnel placement after the operation mode is intelligent.It hopes to preserve the benefits of intellectualization of operation modes as well as the benefits of intellectualization of operation modes.It can solve the problem of wind control after intelligent operation mode,the problem of large number of spare tellers and the problem that old customers are not accustomed to intelligent operation mode.