Research On The Transformation Of Contractor 's Bank

With the development of market economy, the traditional commercial bankingservices and sales model no longer meet this demand. Commercial banks need to through the network transformation to reduce capital consumption, improve the Bank of retail sales. At the same time, the trend of financial disintermediation, the rise of direct financing market caused a decrease of direct deposit bankdemand. Commercial banks need to develop intermediary business transformation through the network.The financial service market demand and industry competition, the commercial banks to adjust the business model to meet the needs of the consumers,through the re adjustment of product structure, increase sales, improve servicemodel and increase the variety of intermediate business income level.Facing the new situation, commercial banks to personal bank business began to re-examine the adjust its marketing strategy, and the retail business was re adjustment and transformation. Commercial bank business outlets transformation from thefoundation settlement pattern to the retail business model. China Merchants Bank, Minsheng Bank, China Construction Bank have transformation,achieved very good performance. The commercial bank outlets transformation be imperative.Based on the examples of transformation of domestic banks, and cited theConstruction Bank, China Merchants Bank transformation successful large amounts of data are compared and studied, on the basis of this study, through the method of combining theory with practice, analysis of the current situation of bank outlets package business business, especially lack of hand bag business outlets bank in the software, hardware,and the bank has carried on the detailedanalysis in several external economic environment, changes in customer demand structure,internal management problems.the head office of strategic target, competition and other factors, the Contractor’s bank retail outlet transformation be imperative.Combined with the actual situation of commercial bank bag, put forward the bank outlets transformation countermeasures.