Research On The Transformation Of Commercial Bank Outlets

In recent years,with the continuous improvement of the level of social and economic development,the rapid development of financial technology,the external operating environment of the banking industry has undergone tremendous changes.Moreover,market competition is intensifying,and commercial banks are faced with the problem of shrinking profit space.Therefore,commercial banks need to carry out network transformation in order to adapt to the new market environment.This paper summarizes the theory of commercial bank outlet transformation such as strategic management theory,business process reorganization theory,customer relationship management theory,etc.It analyzes and learns from the experience of other commercial bank outlet transformation of Wells Fargo Bank,Industrial and Commercial Bank of China,and uses the PEST model,Five Force Model and SWOT model analyze the self-operation situation of Cangzhou branch of Postal Savings Bank.After the above comprehensive analysis,this paper analyzes the outlet transformation strategy after the Cangzhou branch of the Postal Savings Bank from different angles.First,the outlets are re-arranged and positioned,and the internal functional area is adjusted according to the positioning division;then the outlets are adjusted.ITM machine and external extension equipment to supplement and upgrade functions;upgrade product business processes,develop and improve our business types;then we subdivide our customers,distinguish low-end customers and ordinary customers,and treat customers Provide differentiated products and services,and then specify and improve performance evaluation,so that evaluation methods can promote the transformation and development of outlets.Finally,from the perspective of financial technology,increase investment in financial technology and do a good job in the layout of the "online" system.In short,I hope that the above measures can accelerate the transformation and development of the Postal Savings Bank Cangzhou Branch and enhance the comprehensive competitiveness of the Postal Savings Bank Cangzhou Branch.