Research On The Development Countermeasures Of The Smart Bank Of The SX Branch Of China Construction Bank

With the advent of the mobile Internet era,the Internet has covered every aspect of people's lives.The Internet has innovated the way people communicate and created a new Internet culture.New products and technologies related to the Internet and information technology have further transformed the traditional business model,highlighting the continuous changes in market demand and structure.Mobile Internet has developed into a competitive market which combines financial,social and e-commerce value chains.Intelligence,convenience and cross-border are the important needs of Internet products.Under such circumstances,how to transform the traditional banking services is a large number of banking enterprises.The problem of thinking.To cope with this demand,smart banks have gradually entered into people's lives.This paper takes the SX branch of China Construction Bank as the research object.Firstly,it introduces the general situation of China Construction Bank SX Branch,analyzes the macro-environment of enterprise development intelligence bank by PEST analysis method,and analyzes the competitive environment of intelligent bank industry by Porter's five-force model.Secondly,from the two aspects of online channel and offline channel,this paper analyzes the current situation of the construction of Smart Bank of China Construction Bank SX Branch,and summarizes the problems existing in the development of Smart Bank,including insufficient data processing capacity,poor customer experience,limited flow entrance and so on.On this basis,the paper clarifies the overall thinking of the development of Smart Bank of China Construction Bank SX Branch,and formulates development countermeasures based on the existing problems in the development of Smart Bank,including building data-driven capabilities,improving customer experience in an all-round way,and expanding the flow entrance.Finally,the paper puts forward the implementation safeguard measures of the intelligent bank from three aspects: organization,information system and wind control mechanism.Although at the beginning of the development of the intelligent bank,the Construction Bank in the forefront of the industry,but because of the insitutional and the other problems,the construction bank's intelligent bank project has not achieved substantial results.On the basis of summarizing the specific situation and problems in the construction and promotion of the Smart Bank project of China Construction Bank SX Branch,this paper tries to analyze and provide reasonable suggestions from various perspectives to help SX Branch realize the transformation and upgrading from traditional bank to smart bank,popularize relevant experience to the whole industry,and has one.research significance.