Research On The Strategy Of Outlets Lighting Transformation Of Xuzhou Branch Of Agricultural Bank Of China

Since 2015,the People's Bank of China has continuously liberalized the floating cap of interest rates on time deposits of more than one year,the profit margin of banks is shrinking constantly,coupled with the advantages of Internet Finance in convenience and timeliness,the traditional state-owned commercial banks are facing unprecedented impact.The traditional state-owned banks have a large number of service outlets,and the resulting human and operating costs have more or less reduced the profit margin.With the rise of WeChat and Alipay,the popularity of palm silver and Internet banking has become an indisputable fact.Facing the new competitive situation,jiangsu branch of Agricultural Bank of China timely proposed to make full use of the comprehensive transformation of cabinet,constantly improve the functions of intelligent machines,release employees to enrich the marketing team,create 150 new efficient,high-quality and intelligent service outlets,and set up the first intelligent lightweight outlet in Changzhou.This paper studies the implementation effect of light-weight network transformation in Xuzhou area,and points out the thought and direction of light-weight network transformation through background analysis.Firstly,the paper outlines the definition of "intelligent light-duty network",and points out that the artificial network with small scale of operation,relatively single customer groups,business and service functions and small volume of counter business needs to provide faster and more convenient services to customers by means of intelligent means and paperless and electronic means.Secondly,starting with the necessity of lightweight transformation of outlets,it points out that business outlets are still the main channel and Value Creation Center for bank marketing customers,and lightweight outlets are conducive to enhancing the competitiveness of outlets.Finally,through the analysis of the current situation of the lightening reform of the outlets,combined with the operation of the Agricultural Bank of China Xuzhou Branch,this paper explores the advantages and disadvantages of the lightening reform of the outlets of the Xuzhou Branch of the Agricultural Bank of China,and finds out the methods that can be used for reference and breakthrough,and puts forward the marketing strategy of Xuzhou Branch under the background of the lightening reform of the outlets.