Bank Of Communications Xiangtan Branch Wisdom Network Construction The Study

With the development of internet technology and internet finance,the competition of commercial banks is becoming more and more fierce.In order to provide more convenient and comprehensive services to customers and to be invincible in competition,it is necessary for commercial banks to integrate intelligence into the business operations and technical operations of the network itself,and to provide insights through the development of emerging technologies and tools.And master the various needs of customers.The concept of the smart bank was first proposed by IBM in the smart world in 2009.The concept of a smart,banked,digital,intelligent bank has begun to show itself in the eyes of the public as the rapid development of information technology,and it has been slowly Everyone knows.In 2016,the Bank of Communications launched the service model innovation project of its outlets,explored and promoted the main mode of "customer self-service and risk-taking" as the main carrier to implement and support the pressure-drop counters and improve the service diversion rate,such as Zhiyitong and handheld terminals.smart device.The Bank of Communications Xiangtan Branch also carried out the construction of smart outlets from the three aspects of the positioning and layout of outlets,outlet services and processes,and the operation and management of outlets.The Bank of Communications Xiangtan Branch has the advantage of building brands,channels,and customers in developing smart outlets,as well as opportunities for technological development,customer preferences,and policy support.However,we must also face the disadvantages of mental conflict,cost and security as well as the threat of market,internal business risks and cross-industry competition.Through the adjustment of network location and layout planning,the Bank expanded the service scope of Bank of Communications,reformed the operation and management of network outlets,re-planned functional zoning,integrated and optimized network services and processes,and implemented effective measures such as customer diversion,and the Bank of Communications Xiangtan Branch in the construction of smart outlets.Obvious results have been achieved.However,the customer's safety concerns and high failure rate of the equipment have hindered the improvement of the alternative diversion rate,and the customer's resistance has hindered the improvement of branch-to-store customer diversion rate,which also seriously affected the development of the Bank of Communications Xiangtan Branch's smart network construction.The development and construction of smart outlets is a long-term process.The Xiangtan Branch of the Banking Corporation is still only in the initial stages of construction.In the future development,it needs continuous optimization and progress.For the time being,the Bank of Communications Xiangtan Branch can increase the use of machine tools by establishing an intelligent integrated machine operation plan,innovate the queuing method of intelligent integrated equipment to accelerate business processing,differentiate customer group refinement services,improve service efficiency,and improve employees' thinking.Awareness to strengthen the construction of the workforce and enhance the subjective initiative of employees to optimize the construction of the Bank of Communications' Xiangtan Branch's smart network.