Research On The Optimization Of Commercial Banks Of China Bank A Branch With The Background Of Internet Financial Development

For the past few years,Internet finance had been developing rapidly with the continuous development and maturity.From mobile payments to Internet finance,and P2P lending,A large number of online financial services and products continue to emerge,The concept of internet finance was mentioned many times in the government report,which effectively promoted the rapid and stable development of internet finance.At the same time,with the development of e-banking services,the traffic volume at traditional banking branch has gradually lost.Internet finance has weakened the main functions of bank branches and has affected the management advantages of bank branches.Under the current situation where customers are increasingly out of the box,the disadvantages of the homogeneity of bank products and services are increasingly evident.The major banks have gradually optimized their sales networks through accounting networks by improving their organizational systems,optimizing the network environment,improving employee service quality,and streamlining business processes,so as to retain and tap more high-value customers.Banking services and marketing capabilities have increasingly become key factors in retaining customers,which has also brought unprecedented pressure on bank workers.With the intensified competition in the same industry,bank branches can no longer meet the requirements of the development of the Internet finance era.Bank branches should be further developed in the competition,and the optimization and transformation of branch management is imminent.Based on the objective analysis after the business office of bank of China,A branch optimization models,and put forward the network optimization scheme and implementation of the main points of the optimization is successful,hope can the bank branches for the future of the transition to offer help and draw lessons from.This paper elaborates from five aspects:firstly,the background and significance of Internet finance development and bank branch optimization are described in detail.Analyzed the basic situation of the current domestic and foreign commercial bank optimization transformation research.the research methods of network management optimization and the basic framework of this paper are analyzed.Secondly,combining the relevant concepts of network optimization and the actual situation of bank A branch of bank of China to establish and design its own scheme.In addition,through the questionnaire survey,analyzed the current operating status and existing problems of bank of china A branch.On this basis,the necessity of network point management optimization was analyzed in depth.At the same time,the paper analyzes the successful cases of the network optimization of domestic and foreign commercial Banks,optimizes the bank branch resources,and improves the core competitiveness of the bank branches.Finally,detailed design content of bank A branch network optimization scheme is detailed,and the guarantee measures for successful implementation of optimization are analyzed.