New Format Of Bank Subbranches' Transformation

Bank subbranches,which is the bank's business units,assuming the important role.It is the first interface between the customer and the bank,it is a window to show the service image of the bank,it is the base of the bank to lay a foundation for cultivating new business,and it is an important position of traditional banks to increase deposits.Bank subbranches as well as provide banks with the basic settlement services,also playing an important part that expanding customers?selling products?matching deals.There are a lot of financial institutions in Shenzhen,bank subbranches density comparable to Hong Kong,in many places less operating costs are higher in Shenzhen,opening any bank subbranch should be based on the balance between profitability and customers' needs,combined with the regional environment,its own characteristics and service resources,identify their own marketing position and development path.Bank subbranches are stronger,banks are stronger,especially as a remote branch of the city commercial bank,more need to enhance the profitability and comprehensive competitiveness as the basic business units,can consolidate the city commercial bank's status and solid foundation.This paper takes A bank of Shenzhen branch as the research object,combined with the author's practice in his bank,try to under the background of current liberalizing of interest rates ate accelerating,financial disintermediation intensified,the internet finance develop rapidly,customer financial consumer behavior quietly changes,how to seize the city of Shenzhen,the characteristics of the transaction,under the new format to explore the feasibility of the development of bank branches' transformation.