The Study Of Commercial Bank Retail Business Strategy Based On Network Transformation

From the point of view of global financial markets, the financial industry competition is more and more serious, the commercial banks by non bank financial institutions and counterparts at home and abroad instead of challenges on the traditional business. The competition between banks is not only limited in scale and business competition, more is reflected in the competitive service. Competition is the key to the core competitiveness, the core competitiveness of commercial banks is that it provides the service standards, stability, is to meet the degree of Bank of the increasingly complex market demand, adapt to the development of the history of the requirements to become commercial banks by the transformation of network consensus.In recent years, in the face of increasingly fierce competition in the domestic and foreign banks, domestic commercial banks have accelerated the process of transformation, from the business outlets and the transformation process of the hardware, and business management system reform, the implementation of professional management, improve the network operation efficiency and competition ability. According to the development requirements of the times, China banking "new branch opening’ solutions, building multi-channel financial service system innovation in theory, provide information platform or network design to achieve faster network transformation, the transformation from the traditional trading network as soon as possible accounting type to marketing service, satisfying the requirements of customers on demand.However, for any commercial bank, must from the overall perspective, according to its own business development condition and realistic conditions, formulate the corresponding transformation strategy and policy, the overall strategy of the collection of the optimal scheme is not optimal. This paper uses empirical analysis, comparative analysis method, the study of Commercial Bank branch transformation, the summary and analysis of the China CITIC Bank Qingdao Branch Bank branch transformation strategy to promote the status quo. First of all that motivation and urgency of CITIC Bank Qingdao Branch Bank branch transformation from two aspects of internal, external, and learn from the successful experience and development trend of domestic and foreign bank branch transformation, analysis of the China CITIC Bank Qingdao Branch Bank branch transformation background. Then, the transformation of China CITIC Bank Qingdao branch bank in mechanism, management mode, the process of transformation. Finally, aiming at the existing problems, put forward the China CITIC Bank Qingdao branch to further promote the transformation of policy recommendations, the detailed opinions from customers, employees, business, services and corporate cultural perspective.