Research On The Operation Transformation Of Commercial Bank Outlets In China Under The Background Of Internet Finance

Banking outlet is the focus of bank management,profit sources,and the base to maintain customer relationships and provide humanistic service.Accompany with the development of Internet,big data,cloud computing and other information technologies,Internet financial arises at the historic moment.The concept of"Internet +"is gradually penetrating into every corner of our lives,by virtue of its low cost,high efficiency business model,impacting on the operation mode of traditional bank branch.How to adjust the operating mode of the bank to adapt to the changing financial environment and realize the strategic transformation of banking outlets operation becomes an urgent problem for commercial banks.The purpose of this paper is to analyze the present situation of commercial bank operating mode,combining the new problems in the financial environment,draw lessons from the advanced experience of domestic and foreign commercial bank.Take A branch of Shanghai pudong development bank A branch as an example,to explore the operating mode and the solution of the development of Shanghai pudong development bank.First of all,according to the Shanghai Pudong Development Bank's operation model,from the Shanghai Pudong Development Bank branch of the basic situation,operating mode changes over the years,called the number of changes in traffic volume and other aspects of the analysis.This paper makes a theoretical combing and analyzes the theoretical basis of exploring the transformation of the network.Then,based on the actual investigation,the paper analyzes the problems of the A-branch of the Shanghai Pudong Development Bank in the operation mode,analyzes the common problems of the commercial banks,such as the high operation cost,the unreasonable management structure of the counter and the low production capacity,and puts forward the solution to the problem The Finally,on the basis of summarizing the problem,it clarifies the direction and principle of the future bank's network,and puts forward the strategic height that China's commercial banks should raise the concept of intensive,intelligent and differentiated to the operation and management mode of the network.Coping with the increasingly complex financial environment.The innovation of this paper is to analyze the new problems in the operation mode of China's commercial banks under the internet financial environment.Based on the actual situation of A branch of Shanghai Pudong Development Bank,this paper analyzes the problems and explores the implementation plan suitable for the implementation of the transformation of commercial banks in China,And put forward feasible countermeasures and suggestions.That is,the commercial banks need to be based on the development trend of the network,combined with the inventory of the institutional level,business size and functional positioning,the implementation of differentiated dynamic management of the network.To focus on China's commercial banks network operation and management model transformation strategy,focusing on "intensive operation,personalized service,intelligent transformation" three tasks,intensive operation will be based on first-mover advantage,strengthen the top design,deepen intensive operation,Light,strong,stable,"the construction of new business model.At the same time,to cope with the impact of changes in the external environment,intelligent operation of the network transformation is to explore the development of bank outlets the only way.