Research On BB Branch Network Transformation Of Huishang Bank

The bank branch is the first line of direct contact between commercial banks and customers,and the bank branch is also the main position of serving customers,digging customers and marketing customers.The widely distributed bank branches provide basic financial services for customers.As the most extensive place for banks to contact customers,bank branches can fully understand,explore and market customers.However,in recent years,the development of Internet finance and the continuous enrichment of mobile payment tools are constantly changing the financial consumption mode of customers,which is gradually swallowing up the market share of traditional bank outlets.Bank branches are faced with the current situation of decreasing customer flow,declining performance assessment and increasing difficulty in marketing customers.Traditional hardware facilities and service methods can no longer cater to customers’ preferences,and it is difficult to meet customers’ increasingly diverse financial needs.In this context,banks,as the main body of financial services,occupy an important position in the economic development.In order to better cope with the increasingly fierce competition and the challenges of network finance,but also to meet the needs of their own sustainable development,banks have carried out network transformation to cope with this change.Under such a research background,this paper explores the transformation of BB branches of Huishang Bank.This paper takes the BB branch of Huishang Bank as the research object,and studies the BB branch of Huishang Bank’s network transformation by using literature research method,case analysis method and combining with the relevant theories of bank network transformation.This paper first introduces the research background and significance of the topic,domestic and foreign research review,research content and methods;Then it introduces the concept definition of bank branch transformation and the related theories of bank branch transformation,which provides the theoretical research basis for the whole paper.Then on the basis of the investigation of BB branch of Huishang Bank,the construction of the network,the customer flow of the network,the business of the network is briefly described,and through the corresponding data analysis of the network in the transformation process of the problems,and the causes of the problems are analyzed;Then through the SWOT analysis method,in detail elaborated the BB Huishang bank branch as a local domestic Banks has the advantages of its own disadvantages,such as the unreasonable personnel structure,facing the economic stability to the good development opportunities,also faces the challenge of fierce competition from rivals,and draw a BB Huishang bank branches SO strategy should be adopted,With the help of the power of fintech,it gives full play to its own advantages,grasps the opportunity,and optimizes the transformation of 27 branches under the branch.The overall optimization of BB branch of Huishang is finally realized by optimizing the hierarchical structure of branches,layout structure of branches,personnel reuse of branches,characteristic services of branches,and intelligent services of branches.