Research On The Network Transformation Plan Of JiLin Branch Of Bank Of Communications

With the rapid development of the Internet finance industry and the flourishing development of cloud computing big data technology in the past decade,mobile finance has rapidly appeared around the public.With the change of people's living habits and the update of consumption patterns,the customer behavior pattern of Banks has also undergone an obvious change.The customer to the store rate gradually reduces,the customer service demand to the store increases,the offline transaction gradually transforms to the online transaction,the customer as the consumer rights protection consciousness gradually strengthens,this series of status quo makes the commercial bank has to put the transformation work on the agenda.Faced with such a complex and severe macroeconomic situation,bocom jilin branch took the lead in leading the transformation among its peers and gradually strengthened the transformation.Five years ago,the bank of communications branch in jilin province abolished the network channel department of its head office and replaced it with the e-banking department,adding the department that only played the role of channel management to the function of acquiring customers and providing it with the function of generating revenue and profits.Two years ago,the high counters in the Windows of some grass-roots business outlets were closed in order to achieve the purpose of optimizing the efficiency of counter service for the staff of counter service under pressure drop.Founded a year ago,the headquarters of online financial center development line products such as mobile phones sweep yards payments,bank booking number,the second account online business such as opening an account,promoted to store customer deals with mobile banking binding third-party payment,realize the rapid development of electronic banking business,step by step,this a series of measures are in its network transformation on the implementation of the management plan.Than in the developed countries,the transformation of China's banking industry started relatively late,at the same time also faces many deep-pocketed foreign investment in foreign Banks began to gradually enter the open branches,in market share to capture part of the incentive competition environment,large commercial Banks in China in the field of network transformation project implementation rules there are still some shortcomings and challenges and implement.Commercial Banks have gradually developed from the traditional financial industry into a service industry based on financial products.The transformation of bank outlets is ultimately the transformation of service model,from the cognition of employees to the behavior model of customers to the overall transformation of corporate culture and strategic objectives.Based on the bank of communications in jilin province as the research object,in the bank for its business organizations at the grass-roots level in the process of transformation,such as the stock of customer mining depth,the overall employees backward marketing consciousness,old hall staff service model,many problems such as lack of clarity performance evaluation indicators,based on the strategic and operational management of related theory,based on the current operation of each business office of bank of communications in jilin province,the existing layout,business process analysis,from jilin province facility current outlets practical layout and mode,the bank of communications in jilin province the cause of the internal development bottleneck to comb,To formulate the network transformation plan of bocom branch in jilin province.Scheme based on the basic points of hall of physical layout hierarchical optimization renovation,equipment investment and put on functional partition,transformation of traditional management mode to reframe hall service mode to develop new network business transaction process,authors efficiency to shorten the customer to handle the business time,enhancing hall full win-win result of cross sales,further enhance the comprehensive competitiveness of bank of communications facility in jilin province.Through the existing management methods of bocom branch in jilin province,the relevant policies of the head office were combed out,and the assessment rules and regulations for the staff of each branch after the transformation of grassroots business institutions were formulated,so as to strengthen business training and education and encourage cross-certification so as to drive all staff to keep up with the transformation of provincial branches.Issue specific implementation rules of the transformation plan and continue to follow up the progress of the transformation,formulate preventive measures against operational risks,sales risks and reputation risks of all the staff during the business period of the hall,and introduce hall security to ensure the safety of the hall staff before and after the business transformation.Formulate related policies and management measures to ensure the transition scheme is feasible and landing to strongly promote the transformation of bank of communications in jilin province is successful,increase customer viscosity increase customer groups,to do business with performance jointly develop steadily,improve service the real economy and pratt&whitney financial comprehensive ability in order to consolidate its core position among the same industry in jilin province.