Research On The Transformation Path And Strategy Of LC Bank Outlets

Over the past decade,China's banking and financial sector process of gradual deepening of market-oriented operation,government financial management departments of the main types of financial mixed operation management regulations and policies are gradually adjust and relax;in addition to all kinds of Internet-based e-finance business/service model technology platforms in the financial sector of universal application,breaking the previously state-owned banks so some traditional business model,so that Commercial Bank of China LC branch(hereinafter referred to as LC banks)are facing an increasingly competitive market pressures increase.The LC banks currently exist management philosophy is still affected by traditional thinking,active business outlets owned business expansion initiative poor performance evaluation focuses only on the amount of deposit and withdrawal services and other traditional business metrics for electronic banking,gold,foreign exchange,credit and other business services demand response potential customer base is not enough,it failed to effectively expand into new business areas and modes,so that in the new situation of financial service capabilities LC banks lack of competitive advantage;and macroeconomic performance in China is currently in the new normal economy large environment,many LC banks both large clients in some companies because of overcapacity,decline in operating results led to a corresponding decline in the bank's financial business volume and so on.Therefore,to improve and perfect the various suited to the problem of the bank's existing business processes and management systems under the new market reality has become a competitive situation exists LC bank managers face issues need to be solved.To this end,the author application market segmentation theory,the theory of marketing mix theory,customer relationship management theory and differential marketing theory as a guide,combined with the actual situation of the above-mentioned LC banks,mainly focuses on how to implement the business model LC bank branches transformation of ideas and methods to enhance the LC bank outlets each business competitiveness.First seminar in new marketing channel construction,facilities optimization on,e-commerce platform,performance evaluation and optimization of different levels of LC bank branch transformation pathway analysis and strategy research,build competitiveness evaluation model,quantitative analysis of the network business model transformation for enhancing LC bank's overall competitive effect.Proposed by the "hard+soft transition transition" to transition the business model of banking outlets,and human resources,management,incentives,and employee service and other aspects of the proposed network business model transformation plan implemented safeguards.Expectations as to provide reference for the LC Bank successfully enhance their network operators competitive practices.