Research On The Transformation Of Basic Branches Of State-Owned Commercial Banks

In recent years,the Internet has developed rapidly because of its intelligence,convenience and high efficiency,which has a great impact on many traditional industries and business models.Grassroots banking outlets are the main channels for providing traditional financial services,but the impact of Internet finance has led to a significant reduction in the scale of counter settlement business.At the same time,grassroots banking outlets have unique natural advantages such as directly facing customers,and can play an irreplaceable role in other financial models.Banks shall make full use of this most important "main position" that can face the public.In such a competitive environment,how to find a breakthrough from the transformation and upgrading of banking outlets to achieve sustainable and high-quality development under the premise of maintaining competitive advantage has become its primary concern.This paper uses case analysis method and take the transformation of grass-roots outlets of Bank C,Suzhou Branch as an example,through analyzing and studying the business status quo of Bank C,Suzhou Branch in recent years,and points out the business weakness and management problems exposed by the grass-roots outlets within the jurisdiction of Bank C,under the impact of the current external changes such as Internet finance,market-oriented interest rates,diversification of customer demands,etc.,mainly including the lack of clear positioning of outlets,unreasonable layout,unbalanced customer structure,complex and inefficient business processes,inadequate product marketing capacity,incomplete employee incentive mechanism,etc.;then,in light of these problems,and by applying the theories such as enterprise strategic transformation and in combination with the SWOT analysis method,objectively gives out the advantages,disadvantages,opportunities and threats existing in the transformation and upgrading of the grass-roots outlets of Bank C,so as to further highlight the necessity,urgency and feasibility of the transformation of grass-roots outlets;then,by drawing lessons from the successful cases and experiences of the transformation of some grass-roots outlets of banks at home and abroad,including the experiences of Citibank and financial flagship stores,etc.,obtains inspiration for the transformation of outlets of Bank C,Suzhou Branch;and finally,determines the specific transformation plan,thinking and measures of the grass-roots outlets of Bank C,as well as the implementation of the transformation guarantee measures.