Research On The Transformation Development Postal Savings Bank Of China Shenzhen Branch

With the development of electronic technology,third-party payment such as Alipay,Tenpay and so on,whose more rapid and personalized experience,make the bank consumer behavior has undergone great changes,in general,there is no special demand under the circumstances.Customers do not need to go to the bank outlets for business,through the bank mobile terminal(APP)can be solved,customer demand for banking services increasingly tend to diversification.In order to develop in the new situation,commercial banks should increase their competitiveness,which mainly depends on the quality and quantity of their outlets.How should the bank branch be built to meet the needs of the new situation? Only the bank outlets which change according to the changes of customers' needs can be competitive.This paper studies the transformation of commercial bank outlets in order to improve the competitiveness of bank outlets in the new situation.Through functional transformation to increase the competitiveness of bank outlets.This paper takes the bank branch of Postal savings Bank of Shenzhen Branch as the research object,using the theory of bank channel management,the theory of "new networkism" and the theory of "network transformation".And take the literature research method,the case analytic method,the comparison analytic method as the research method,has studied the postal savings bank Shenzhen branch present network distribution condition,finds out its existence question,and carries on the analysis to the existence question;The solution to the problem is obtained,and the development direction of the network setting is to be accurate,intelligent,lightweight and functional integration,and the transformation and development plan of the basic system and the network management is put forward.The main content of the scheme is to optimize and enable the basic system,and to transform the management of bank branches: the concrete content is to optimize the location of some branches and to promote the transformation of the original sites of some of them;The network is divided into full-function network,integrated retail network,according to the division of the three types of network,set the functional area,business table,intelligent equipment and office personnel differentiation standards,classified and stratified the network.Achieve fine network management.This transformation program is aimed at the Postal savings Bank Shenzhen branch of 68 self-network to develop.Through the analysis of the current situation of the bank branches of Postal savings Bank of Shenzhen Branch,this paper puts forward the existing problems and puts forward the scheme of network transformation and development,which can enhance the operating performance of the existing network of Postal savings Bank of Shenzhen Branch;Through the implementation of the transformation of sales outlets,Postal savings Bank outlets from the transaction accounting network into a network of marketing services,but also to improve the overall business level of Postal savings Bank;from the case leads to the problem,the common point of view analysis and recommendations.It can be used for reference for the transformation of other commercial banks.