Research On The Physical Network Layout Optimization Taiyuan City Area Of G Bank In The Background Of Internet

In recent years,bank competition has become increasingly fierce: on the one hand,with the development of internet finance and the implementation of interest rate liberalization,banks rely on traditional business income such as deposit and loan spreads to gradually decrease;on the other hand,bank physical outlets are subject to the other pressures of soaring rents and labor costs.Although the physical network outlets are gradually becoming weaker,the physical outlets of banks are the tentacles and main venues for absorbing deposits and obtaining income.Pure online channels cannot completely replace them.Bank physical outlets still have their necessity.Faced with multiple real-world pressures and challenges such as Internet finance,how to improve the bank’s operating efficiency is a major issue that needs to be solved before it.Improve operational efficiency through physical channel layout optimization is an important foundation and the only way.This paper takes the optimization of physical network Taiyuan city area of G Bank as the research problem,and uses the methods of field research and literature research.Firstly,takes systematic research on the economic development and population status of the administrative regions in Taiyuan,the distribution of interbank outlets,the density of network and the network average performance,which clarified the problems of low self-contained business place,weak operating yields,and unbalanced resource matching in the Taiyuan City area of G Bank.Secondly,throughthe use of PEST and five-force competition models,The SWOT and other method models have quantitatively and qualitatively analyzed the internal and external environment of the physical network layout optimization Taiyuan City area of G Bank,and obtained the advantages,disadvantages,opportunities and threats of layout optimization.Thirdly,The results of environmental analysis are closely combined.the guiding ideology,overall objectives and basic principles of G Bank’s physical network layout optimization were designed.Four optimization path modes of SO,WO,ST and WT were designed.Then the QSPM matrix was used to select WO mode as the final solution for G Bank layout optimization.Fourth,Relying on the above research conclusions and “control increment,optimize deposit” of total tone that network layout optimization Taiyuan area of G Bank,and the optimization adjustment suggestions and specific implementation strategies covering upgrade,relocation,revocation and reconstruction are proposed.The author is limited by time,funds,energy and data update during the research process.The data collection task is heavy and difficult.This study applies the theoretical methods of strategic analysis to the actual work of G Bank’s layout optimization,supplements and enriches the research content of the banking industry in the Taiyuan area in terms of competition and network layout,and has certain application innovation.This paper introduces a number of environmental analysis tools such as QSPM matrix into the research of bank outlet layout,and proposes the optimization mode of physical network layout of G Bank in Taiyuan,and related suggestions.On the one hand,it provides theoretical and data support for G Bank to ensure effective matching of in-row resources.The bank forms a multi-level,light and intelligent physical network layout,which ensures that the physical outlets of G Bank Taiyuan can closely follow the municipal development plan,improve the core competitivenessof the outlets,and increase market share.On the one hand,it also has certain reference value for the optimization of the bank’s interbank promotion network layout in Taiyuan.