Research On Intelligent Network Transformation Model Of Small City Commercial Banks

China's economy has gone through the initial stage of reform and opening up and the rapid development period.It has entered a mature period which needs in-depth study and how to maintain the sustainable development of the economy and smoothly integrate with foreign countries.With the deepening and development of the economic situation,China's banking industry has gradually realized the importance of retail business in the banking industry.The income of residents increased disposable income become an important factor of active Chinese economy,and Chinese inherent saving consciousness,the relationship between the wealthy residents and led by banks and financial institutions must closely,the competition would be fierce.While the residents' demand for banks changed from simple business to service experience,the introduction and development of interest rate marketization also accelerated the pace of banking transformation.Under the control of long-term interest rate in China,the bank's high interest rate difference will be gone,and the profit model of domestic banks relying on the loan interest margin as the main source of profit will be seriously challenged.The pressure of competition and innovation brought about by the acceleration of financial reform,from today's interest rate market,can be seen later asset securitization.In the interest rate market forced,commercial banks profit model and structural adjustment,the urgent need to change,the reform process will overturn the original bank outlets decades of operating habits,have a huge impact on the small city commercial bank,it will be a long process slightly.Small city commercial banks are the key to the transformation of small cities commercial banks' outlets,because of the lack of control ability,lack of professionals,redundant and cumbersome procedures and unreasonable system.It is also the reform process that commercial banks must experience in the economic development trend.This paper focuses on the domestic and foreign commercial bank branch transformation mode for reference and study,and then combined with the specific model of China's Commercial Bank branch transformation,analysis the shortcomings of China's commercial banks in the process of transformation,and then to the rich Yunnan bank as an example,analyzed the lack of network transformation,and then according to the research,put forward effective perfect the network transformation development suggestions.In order to construct the modern network point of view and the operation flow,proposes the rationalization proposal to our country small commercial bank's network.