Research On Network Transformation Program Planning In Anqing Branch Of Bank H

In the current economic background,despite the development of information technology,e-banking channels continue to evolve,but physical outlets are still the key to deepening customer relationships and ensuring a stable source of profit for commercial banks.Bank outlets are currently the largest financial services channel.It is the most important distribution channel and service platform for bank products,and it is the specific symbol and embodiment of the comprehensive strength of banks.However,in recent years,China's interest rate marketization has been advancing year by year.Financial market competition is getting more and more intense.The spread of deposits and loans has been shrinking.The profit contribution rate to the public business and corporate credit business has gradually decreased.Commercial retail outlets have been subject to interest rate liberalization and Internet finance.In many aspects,the economic benefits of most bank outlets are not too high,and the loss of customers is relatively serious,which affects the economic benefits of commercial banks to a certain extent.Over the years,the physical outlets of domestic commercial banks have carried the transaction function,marketing function and image display function,which is an important bargaining chip for domestic commercial banks in competition.However,with the rise of mobile internet finance,a large number of applications such as online banking,mobile banking,and third-party payment,the functional requirements of the bank's physical outlets have changed.Under this situation,the transformation of outlets of commercial banks is also imperative.On the basis of comprehensively relevant theory of transformation at home and abroad,this paper analyzes the existing status of retail business of H Bank Anqing Branch by using the literature research method,questionnaire survey method and field investigation method.The problem is to propose a development strategy suitable for the transformation of H Bank this Branch,thereby improving the financial service capabilities of the outlets,improving the customer service experience,and finally realizing the transformation of retail outlets,thereby promoting the sustainable development of H Bank this Branch,and based on this,The transformation and development of commercial banks can provide reference.