Research On The Transition Of Small And Medium Sized Commercial Banks In The Context Of Internet Banking

As an important field of modern commercial Banks,bank branch is the main physical Banks provide financial services to the customers,it is easy to Banks introduce products to customers,and to provide financial services,establish a brand image is the important place.At this stage,the rapid development of Internet financial and economic situation at home and abroad,the influence of the traditional financial loan,pay the,the core business such as finance and investment behavior is affected and change,the traditional banking business is very difficult to meet customer demand,traditional progress of financial reform,accelerating the pace of transformation are also bank branch and how in the new era of financial environment optimized layout successful transformation into forced commercial Banks need to solve the problem.This article first expounds the Internet financial background,interest rate marketization,etc to the impact of the banking industry,and points out the significance of network transformation,and expounds the research ideas and research methods of this article.After briefly discusses the scholars at home and abroad at present research situation,for the issues of commercial bank branch transformation on the basis of this puts forward the necessity and feasibility of the transformation of small and medium-sized commercial Banks in our country,which points out that network transformation of small and medium-sized commercial Banks in China at present was what challenges,which at the same time it has the advantage.And discusses the problems existing in the transformation process and analyzes its reason.Selection is introduced after the Umpqua bank and domestic bank network transformation case study,points out their respective content,the transformation experience,and analyzes their merit,and their specific research for the problem of small and medium commercial bank branch transformation strategy.Innovation of this paper lies in: 1,select the Umpqua bank and domestic bank carry out specific analysis on the two Banks,sum up experience in practice,put forward feasible suggestion.Proposed site set up to meet the social needs,the need to meet the needs of people from the perspective of communication;The layout of the site should be considered a community,in order to close to the residents' life,better integration with the residents.2,put forward the transformation of the main purpose is for marketing services.Set up a modern machine is to improve the efficiency;Liberation more manpower,strengthen the cultivation of professional talents are in order to better sell their products.3,the importance of establishing channels is put forward.Learning the advanced experience of the Internet financial is to establish a new marketing platform,to maintain the new generation of customer service.4,emphasized the importance of cost control.Outlets to miniaturization,so that it can better reduce operating costs;Shift towards science and technology,intelligent network Settings,but also in order to simplify the manpower,machine to replace artificial,reduce the cost.The deficiency of this paper lies in: 1,the network transformation of research in China are in the midst of a fledgling,still need further discussion on research methods.2,because of the limitation of data collection and time,when doing data research in this paper,the problem of the consideration is not comprehensive enough,needs further research.3,the network transformation itself is a process of constant change,innovation,and constantly exploring research.