Research On Intelligent Transformation Strategy Of Branch C Of Agricultural Bank Of China

In recent years,with the rapid development of Internet finance,it has launched an all-round competition with traditional banks,and the living conditions of bank grass-roots institutions are facing severe challenges.Therefore,traditional banks must re-examine their advantages and disadvantages and speed up the intelligent transformation of outlets.Facing the fierce competitive environment,while actively seeking the intelligent transformation of outlets,it also has a huge contradiction with the aging customer group.How to seek development in contradiction,accurately locate in the current situation of homogeneous transformation,and find a characteristic transformation path has become the current thinking problem of many banks.In 2017,branch C of Agricultural Bank of China launched the network intelligent transformation project and entered the stage of network transformation 3.0.The overall idea of the transformation of the project is to focus on the needs of customers,innovate financial technology,realize the transformation of operation management,improve the efficiency of outlets,and comprehensively build a new network with intelligent digital,light operation,comprehensive business and online and offline integration.This paper takes the branch C of Agricultural Bank of China as the research object,combined with qualitative and quantitative analysis methods such as literature research method,interview method and case study method.Branch C is one of the first branches of Agricultural Bank of China to carry out network intelligent transformation,which has achieved good transformation results and exposed some common problems,which is representative and research value.Combined with relevant research experience at home and abroad,this paper first introduces the basic situation of this case and the industry competition structure faced,then analyzes the network intelligent transformation measures taken by branch C of Agricultural Bank of China,and analyzes the problems faced in the network intelligent transformation in combination with the interview results of employees and customers of branch C.Finally,a more optimized transformation strategy is designed from the perspectives of customer experience,employee motivation,efficiency improvement and channel optimization.Specifically,first,we should operate differently,highlight the characteristics and implement them in the local financial needs;Second,we should communicate with customers,cultivate customers and effectively improve customer experience;Third,clarify responsibilities,optimize allocation and strengthen employees’ inner identity;Fourth,we should optimize zoning,contact demand and promote the efficiency of intelligent equipment.