Research On Outlets Intelligence Strategy Of Shandong Branch Of Postal Savings Bank Of China

In recent years,China's financial market has been continuously opening up.At the same period,the Internet finance has grown up rapidly.Thus,the traditional banks suffer more and more pressure,not only from the inside,but also from the outside.At this stage and for a period of time in the future,the offline "face-to-face" physical outlets is still the most important marketing channel for commercial banks.Accomplishing the deals through direct communication with customers is still one of the most important marketing methods for commercial banks in China.This paper explains the definition and related theoretical basis about outlets intelligence,and analyzes the problems of complex mechanical services process,the information asymmetry between customers and banks,and the low product comprehension.Then it expounds the related concepts of outlets intelligence and financial innovation,and points out that the intelligent outlets has the "online and offline" integration of banking and service channels,which provides interactive services accurately push bank's products and services,and also tries some remote-visualization techniques and tools to improve retail sales.These features can solve the pains happened in traditional banking outlet services.So it is necessary for commercial banks to implement outlets intelligence strategy.At the same time,use intra-network outlets to provide reference for the implementation of network intelligence in Shandong branch of PSBC.Then further analyze the current situation and of the intelligentization,pointing out the weaknesses about IT construction,business development and modern banking services,monetary supporting in Shandong branch of PSBC.Then put forward to provide strategies and methods of implementation based on the problems,such as upgrading the hardware strategy,service capability support strategy,information technology support strategy,classified construction strategy and other countermeasures and suggestions.This article may be the reference for branch intelligentializing strategy implementation in Shandong branch of PSBC.