Research On The Model Of Transformation Of The Changshu Branch Agricultural Bank Of China

With the gradual deepening of the economic and financial system reform,the business environment of commercial banks has changed a great change.First of all,A series of systems led by the government have changed,such as the establishment of financial disintermediation trend,capital constraints increasingly hardened,the interest rate market continues to accelerate the pace,which prompted the urgent need of the traditional business model of China's commercial bank outlets transformation;secondly,with China joined WTO and the rapid development of the RMB internationalization.The financial globalization,foreign banks have also added to the operation mechanism of our state-owned commercial bank outlets raised serious challenge.Great changes in the business environment of domestic banks has put forward higher requirements,therefore,Therefore,to accelerate the transformation of the network has become an important strategic to change business philosophy,business mechanisms and business transformation in the domestic banking industry.The Agricultural Bank of Changshu Agricultural Bank of China is a network all over the urban and rural areas of Changshu,capital strength,asset quality,business functions,strict management,good economic benefit of state-owned joint-stock banks,Agricultural Bank for 100 county is put forward,banking institutions are the first in Changshu upgraded two branches.To serve the local economic development needs of the overall docking,service economy transformation,give full play to the advantages of the network across the city and rural areas,is committed to providing a wide range of urban and rural areas,multi-level,full range of financial services.Although the Agricultural Bank of Changshu in the early stage of development,to the local economy has injected vitality,China gradually with international standards,compared with the commercial banks of the developed countries,the defects of the Agricultural Bank in Changshu gradually revealed,The Agricultural Bank of Changshu does not belong to the full sense of the commercial bank,so can not be compared with the pure commercial bank in the management flexibility,and the hardware,the Agricultural Bank belongs to state-owned banks,if large-scale hardware replacement,will undoubtedly bring great local financial difficulties,and the foreign commercial banks according to the actual situation the hardware can be replaced at any time,Retraining and allocation from the employee is on,the Agricultural Bank of China Changshu branch staff training in the early stage is more lax,but in need of transformation,and because of their age aging,unable to effectively carry out business training,in the service process and software facilities,are still stuck in the single service mode,no change to the comprehensive the above services,if not the weakness of attention,the future will limit Changshu ABC network competitiveness to a great extent.Due to the transformation of bank outlets business model is more reflected in the hardware transformation such as network layout optimization,channel integration and so on,and in the soft transformation of resource allocation,service culture on the issue has not been touched,which restricts the core competitiveness of the network to a certain extent improve.This paper analyzes the Changshu ABC network management situation and the existing problems,and puts forward the concrete contents of Changshu ABC network transformation and to achieve the goal of making the transformation of the overall implementation of the program,and for the physical network transformation,personnel allocation,process improvement,network spirit and evaluation system put forward specific implementation plan,and to ensure the transformation and management transformation,marketing service smoothly upgrade basic banking outlets in the premise of the concept of transformation and reconstruction on the physical.