Study On The Operation And Development Of Community Branch Of A Bank

Developing community branch is a powerful means for commercial banks to realize rapid transformation and speed up the curve.With the development of economy,the personal wealth of residents has been growing rapidly.Retail business has shown great space for development.Wealth management and community finance have also become important areas of strategic layout of major commercial banks.In terms of the operation mode of community branch,community branch will provide a variety of comprehensive financial services to community residents,and at the same time provide personalized financial products for surrounding private owners to meet the differentiated financial needs of different customer groups.Studying the operation and development problems of community sub-branches not only promotes healthy and orderly development of economy and ensures stable operation of financial system,but also helps to solve the transformation difficulties of Chinese commercial banks under the new situation,providing a stable and strong growth point for commercial bank performance to improve steadily.The development of community bank has passed the original era of preliminary development.The banking industry is facing the impact and challenge of Internet finance more and more fierce.Commercial banks need to fully understand their own pain points and bravely face the challenges of the Internet.At the same time,they should use Internet-thinking and technology to improve their self-management level and service ability,innovate the operation mode of community branches,provide financial convenience for community residents and small and micro enterprises,to provide residents with a full range of financial services and promote inclusive finance to the real economy.This paper will deeply study the current problems faced by the community sub-branch,taking the community sub-branch of A bank as the research object,from the three aspects of raising the problem,analyzing the problem and solving the problem.Firstly,the research background and significance of this paper are expounded.At the same time,the domestic and foreign researches on community sub-branches are summarized.Secondly,the core concepts and related theories of the paper are scientifically defined.Then,using process reengineering theory,performance appraisal theory,customer relationship management theory and standardized service management theory as theoretical support,the current situation of the community sub-branch of A bank is studied.At the same time,the community sub-branch of N branch of A bank is investigated by questionnaire and the results are analyzed.Furthermore,the paper analyzes the causes of the problems in the operation and management of the community branch of A bank by using relevant theories,and analyzes the causes of the problems in the operation and management of the community branch of A bank,including the unscientific network location layout,the imperfect compliance risk management mechanism,the homogenization of marketing methods,the insufficient investment in management information,and the imperfect team construction system.Finally,combining the process reengineering theory,performance appraisal theory,customer relationship management theory and standardized service management theory,and based on the five dimensions of cost management,human resource management,marketing promotion,management informatization and risk management,this paper proposes countermeasures to improve the operation level of A bank’s community branch.