Research On Self Service Channel Business Improvement Countermeasures Of Z Bank Dalian Branch

The reports of the Eighteenth National Congress of the CPC pointed out that to deepen the reform of the financial system one of the key lies in the implementation of the marketization of interest rate, so commercial banks get rid of relying on spreads the transformation of ideas more gradually in-depth and self-service cash terminal(ATM), self-service terminals as the representative of the self-service channel "as the bank each day shrinkage operating costs, increase the intermediate business income of the" magic weapon ", has become the strategic direction of the banks. In view of the self-service channel business of commercial banks has broad prospects for development, so for commercial banking self-service channel layout, management, innovation and risk prevention system of inquiry can further enhance the commercial banks' management ability of self-service channel business, and then enhance the competition advantage of commercial banks, creative ability and social image, has high research value and practical significance.Firstly, this paper introduces the subject source, research purpose and significance, related theories of self-service channel business, literature are summarized and reviewed, and then details the in recent years, the Z Bank Dalian Branch of self-service channel business development present situation, and puts forward the existing problems and their causes. At the same time to solve these problems and the reasons, summed up the Z Bank Dalian Branch of self-service channel business overall guiding ideology, basic principles and within five years of development goals, and to optimize the layout, process reform, accelerate innovation, improve the marketing, strengthen risk to put forward the concrete countermeasure.Through in-depth study of Z Bank Dalian Branch of self-service channel business, which can help the bank to develop new self-service channel business development strategy, improve their operational efficiency and savings in operating costs, to their counterparts in other commercial bank self-service channel business development also has certain reference significance.