Research On Business Development Of XX Branch In Big Date Era

In recent years,the development of financial technology represented by the new generation of information technology such as smart cloud,big data,artificial intelligence,etc.has brought profound impact to the transformation of the banking industry,especially a group of Internet companies represented by Ali and Tencent.The rapid development in the financial sector has brought tremendous impact to the banking industry.In addition,small and medium-sized banks and private banks have obvious advantages,the ship is well-tuned,management is more flexible,and the market is more responsive.Such factors have intensified competition among commercial banks.At the same time,with the development of the Internet,a new competitor in the financial industry,namely Internet finance,has grown rapidly since its emergence,breaking the original industry structure and becoming a new industry profiter,so profits are further compressed.Because of the higher efficiency of p2 p,attracting a large number of individual customers,and letting the commercial banking retail business be robbed,in addition,the rise and popularity of third-party payment has caused the previous payment methods to be hit hard,especially personal small funds.The market share of commercial banks is running low.Coupled with the rise in domestic per capita GDP,the demand for financial services continues to rise,which puts higher demands on the service level of commercial banks.How to tap new profit growth points has become a key issue for major commercial banks.Strengthening the management of banks,especially in the current use of the latest technology,to deepen the understanding of big data and strengthen the thinking of science and technology management,is the key to whether commercial banks can win from this round of competition,only through continuous innovation,through flexible use Big data technology,with more competitive products and services,fully meet the diversified needs of users,and even through in-depth understanding,driving and changing user habits,the value of grassroots sub-branches will continue to increase.The XX sub-branch listed in this article is a county sub-branch in four major national banks.The core of its service is to continuously improve the user financial service experience.From the perspective of this paper,we start with the concept of big data,and integrate existing research results.It has applied its current status in various business of commercial banks,and analyzed the impact of the development of XX sub-branch business in the background.In this research process,it is also the innovation of this article.Using the XX branch that I am familiar with and understand as a case,through the detailed and detailed data to analyze its current development status and difficulties,such as precision marketing,etc.,the corresponding business Develop demand and propose targeted countermeasures to achieve more reasonable customer relationship management,more accurate marketing,and more effective risk prevention and control in the grassroots sub-branch business,so as to promote the development of the branch business and improve its market.Proportion.