Research And Prospect Of The Construction Strategy Of The Smart Outlets Of Commercial Bank

In recent years,with the development of social economy and science and technology,the internal and external competition pressure of the banking industry intensifies,the traditional bank’s development channel,service mode and sale method can’t meet the customers ’ increasing financial demand.On the one hand,the Internet financial industry is constantly booming,micro-letter,Alipay,Baidu Wallet and other means of payment everywhere,the bank’s offline business has gradually shifted to the online business,in the rapid development of the fast-paced era,the convenience of online channels,quick to bring customers a modern experience,Saving both time and economic costs for a high-end customer base is no doubt a blow to the bank’s operating conditions.On the other hand,foreign banks and all kinds of joint-stock commercial banks,City commercial banks,private commercial banks emerge,all kinds of innovative financial products into the financial market also makes the traditional mode of operation unsustainable.However,the traditional network of commercial banks as the carrier of financial channels,is the basis for the development of banking business,in order to meet the growing financial needs of customers and improve customer satisfaction,network transformation is imminent and inevitable trend.The purpose of Intelligent network construction is to improve the flow of services and provide efficient and convenient "one-stop service" to our customers through smarter ways.Firstly,this paper expounds the background and significance of the research on the transformation of the intelligent network,then interprets and combs the concept of the wisdom Bank and the Wisdom Network,and probes into the characteristics,the innovative mode and the management idea of the intelligent network.Secondly,this paper analyzes the current situation of the development of the intellectual network of commercial banks,and analyzes the advantages and disadvantages of the development of the intelligent network in the commercial bank with the SWOT model and Porter theory,and the opportunities and challenges.Finally,from the point of view location,service flow,network management aspects of network intelligence transformation.Put forward through multi-channel integration,differentiated services,enhance customer experience,customer-centric wisdom network construction strategy.Through the implementation of the Intelligent transformation Strategy,the bank network realizes the liberation of human cost,the reduction of construction and operation cost,the improvement of work efficiency,the continuance of working time,and the large amount of human resources can make the remaining human resources play a professional service marketing team,greatly improve the economic benefit of the enterprise.The article concludes: The wisdom of the Bank network development is the product of the Times,is the general trend,only the technology into the service,play the "Internet +" charm,to better meet customer demand,for customers to bring better experience,but also the traditional banking outlets glow new life vitality.