| With more global,liberal and digital economy and rapid internet development,increasingly refreshing internet finance brings greater momentum to social business,and also more and more new issues and problems to domestic banks.The harsh intra-sector competition forces some banks to constantly employ new technologies and methods to go online and digital,namely,from being conventional to smart.As the main service channel,the counter business will enhance the core competitiveness of the bank if it embraces the intellectualized transformation and development,which will in turn realize the sustainable advancement that is the matter of life and death for banks facing the fierce market.Based on the theories and tendency of intellectualized counter business at home and abroad,this article takes the intellectualization and development of the counter business of CIB(China Industrial Bank)as the research object.Taking Chongqing branch of CIB as an example,the article analyzes the intellectualization of domestic counter business.For one thing,aspects like business process,system and operation will be delved into for the condition of CIB in Chong Qing,and perspectives like service efficiency and implementation difficulty will be demonstrated for problems facing the transformation.For another,theories like SWOT and AHP are employed to explore strengths and weaknesses of CIB during the change,as well as cost,practicality and application value of smart counter reform.From above we may come to that the online counter of CIB still leave much to be desired in procedure design,system establishment and operation management.Hence it is a long hard work to transform into the modern system of information,standard,specialty and intensiveness.Yet there is a clear project that involves rebuilding the business procedure,reorganizing the massive and scattered business information,and recreating the highly-intensive work for more systematic and powerful operation system.The automatic platform of information technology will be employed to achieve safe,efficient and qualified counter practice,alongside with enhanced soft power of the website,which will contribute to an electronic management from a physical one.As such,the text brings about solutions listed below:(1)Build up stronger platform of overall service which focuses more on friendly marketing than deal-concluding;(2)Establish the operation system capable of dealing with all business affairs to deliver better service automation and efficiency;(3)Ensure renewing operation system and intensive business to transform the management of backdrop resources,refresh business quality and speed,and enhance cost controlling.The mainly specific measures are equipment upgrading,innovation reinvigorating,service enhancing and procedure renovating.Better human resources,more effective supervision and management,and higher investment can’t be missed to realize measures listed above.The internet finance and online bank are connected with competition and cooperation,so the bank should seek for advancement by absorbing others’ merits and avoiding own demerits.On the basis of strengths and features of online finance,the bank should bring into full play its physical site,and moves towards intellectualization according to online users and physical business volume,for instance,establishing community and smart site,reorganizing human resources,saving operation cost and enhance overall efficiency.The bank is also supposed to proactively deal with the internet finance for cooperation towards a win-win outcome.Taking the success story of internet finance as a reference,the bank will enjoy the possibility of larger market where not only the financial products are available,but also goods in the shop and supermarket are accessible,which gives customers more room for choice.Meanwhile,the bank will also meet graver competition.As such,only by conducting the tireless research,innovation and transformation will the bank,even the finance sector embrace more colorful development. |
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