Discussion On The Construction Of Smart Branch Network Of A Rural Commercial Bank

At present,Internet technology,financial disintermediation and interest rate marketization are constantly impacting the financial market.The living space of rural financial institutions' grassroots outlets is constantly compressed,the strategic value of physical outlets is declining,and the popularity of mobile Internet finance is increasing.Financial technology is constantly changing the business form of rural financial institutions.The transformation of rural commercial banks must accelerate the pace and promote the transformation of traditional outlets into self-service and intelligent outlets.The transformation of outlets is inseparable from emerging financial technology.It must rely on innovative and technological means to improve the intelligence level of outlets,create a more convenient and smarter business processing environment for customers,and give full play to the marketing role of outlets.The maturity of cutting-edge technologies such as big data analysis,cloud computing,artificial intelligence,Internet of Things,blockchain,and biometric identification has made smart banks considered to be the mainstream of innovation reform and transformation and upgrading.This paper takes Rural Commercial Bank A as an example to analyze the current situation of the construction of intelligent outlets of the Rural Commercial Bank A,and through the literature research,field investigation and analysis,it is found that the rural commercial banks have unclear strategic goals,backward technical methods and poor customer experience.There are many problems such as little marketing effect and unreasonable allocation of human resources.It is urgent to improve management granularity and core competitiveness.Based on this,the paper puts forward the intelligent transformation construction strategy and implementation path of the network.From the clear strategic positioning,transforming the technology platform,improving the customer experience,strengthening the service innovation,and clearing the organizational structure,the company analyzes the intelligent construction strategy of the network,and explains the construction ideas of the transformation.Strategy and implementation path.It plays an important role in improving the operational capacity of Rural Commercial Bank A,strengthening its core competitiveness,and ensuring the continuous growth and optimization of its customer base.