Research On The Intelligentization Of Bank Branches From The Perspective Of Financial Technology

The tuture of bank branches has received growing research attention over recent years.There are two main viewpoints of the numerous studies:"The theory of the bank outlets extinction"and"The theory of transformation".The theory of"Extinction"suggests that consumers need the services of banks,not the banking outlets themselves,so bank outlets will extinct in the near future.The theory of"Transformation"holds that bank outlets will still have the value of their existence in the long period to come,and prior studies have proposed the theory and hypothesis of bank outlets transformation.Earlier research on the transformation of bank outlets outlined the theory of bank reengineering,process management and so on.Under the new situation,Fintech have promoted the innovation and transformation of the financial industry as a whole,and the transformation of bank outlets also needs to be combined with the application of financial technology.Therefore,relying on Fintech,"the intelligent bank outlets transformation"has become a new research direction of banking industry management.In the field of academic research.Fintech is an important research direction to transform banking management,and is being paid more and more attention by scholars at home and abroad.At present,the research of Fintech related literature mainly focuses on the Fintech concept,the impact on banking industry,and the combination of intelligent technology and banking system.The related academic achievements of applying fintech to bank outlets management are insufficient and worth discussing.This paper studies the transformation of banking outlets in China from a new perspective,which is an organic combination of frontier research and bank channel management innovation,and also promotes the further expansion and deepening of the research on"Bank Transformation Theory".At this time,The construction of intelligent bank outlets in China is entering a high-speed period,and the practice status and existing problems are in the best opportunity to study.This paper conducted an in-depth research on C bank,which opened the"black box"of intelligence bank branch management situation and problems.Finally,in view ofthe problems found,this paper proposed a proposal for how to optimize the efficiency of C Bank's intelligence branch management.Based on research into five key branches of bank C,this paper discusses the management problems and limitations of the bank's new intelligence branches.This paper finds that the bank C's branches still stays in the stage of"hardware transformation",such as changing the physical division of branches and application of smart devices.And there are still some shortcomings in the practice of bank C,such as the transformation of grass-roots staff is not in place,supporting systems and processes of smart teller machine needs to be perfected,business scenario innovation is insufficient,outlets lack of differentiation and cooperative operation.Aiming at the problems existing in the case enterprise,this paper puts forward five suggestions to to optimize the management of C Bank's intelligence outlets.This paper expands the traditional theory of commercial bank outlets transformation,which is a useful supplement to the traditional literature,and also provides relevant references for China banking industry practice.