The Strategic Study On One Commercial Bank Branch's Operational Transition Under The Background Of Fin-tech

The development of financial technology is the key technology driving force of the new generation of banking reform.Since the 21 st century,the development of Internet technology has become a driving force that can not be ignored in China's industrial structure.With the rapid development of Internet finance,China's commercial banks will face an in-depth reform.Under the strong impact of financial technology,the traditional business model of commercial bank outlets has been unable to pay the cost of their outlets.Under the background of the current era,in order to occupy a certain market share,the business model of commercial bank outlets urgently needs to be transformed.As an important physical node and service entity carrying financial services,the grass-roots outlets of commercial banks have gradually become more and more important to people's lives.In view of this,commercial banks have to pay more attention to the investment and construction of financial technology.However,in the context of the gradual improvement of China's economic development and the urgent need to upgrade the industrial structure,banking outlets are facing more and more severe challenges from the internal and external environment.With the continuous spread of financial technology,in order to participate in the fierce market competition,commercial banks can only choose to transform the business model of the traditional physical outlets of banks.In this paper,the three core names of "bank outlets","network transformation" and "financial technology" are fully explained,and then the s-branch behavior of a large commercial bank under the blind management of CQ city is discussed and studied.The author introduces the current situation of s sub branch,makes a concrete analysis of the problems before the transformation of s sub branch outlets,and uses the SWOT analysis method to provide a transformable path for s sub branch outlets.Through the actual visits to the outlets and interviews with employees,we can really understand the current situation of the distribution and design of the grass-roots outlets,the operation mode,business process and performance evaluation scheme of the outlets,and list the problems faced by the outlets one by one.Then the author expounds the typical cases of the transformation of the domestic and foreign commercial banks,draws on the advanced experience of the transformation of the domestic and foreign commercial banks,through the literature research method,combines the theory and practice to formulate the ideas and objectives of the transformation of the business model of s sub branch outlets,and solves the current situation of the outlets one-to-one in the form of "developing problems and solving problems",and probes into the s Operational suggestions for the transformation of the business model of sub branch outlets,so as to achieve the purpose of improving the core competitiveness of s sub branch,improving the capacity of outlets,improving the performance of employees,and enhancing the enthusiasm of employees.