Research On The Construction Of Smart Outlets Of Bank B Taiyuan Branch

Physical outlets of commercial banks are important business carrying channels and face-to-face communication positions with consumers.With the rapid development of Internet finance and the constant change of customer consumption demand and behavior mode,the operation mode and service concept of physical outlets of commercial banks need to undergo a thorough innovation and transformation,which puts forward high requirements for the goal of intelligent physical outlets of commercial banks.Firstly,the paper analyzes the current situation of the construction of smart outlets in Taiyuan Branch of Bank B,analyzes the main problems in the construction of smart outlets,and analyzes the main reasons for the problems in the construction of smart outlets.Secondly,the paper uses SWOT analysis method to analyze the internal and external environment faced by the construction of smart outlets of Bank B Taiyuan Branch from four aspects: advantages,disadvantages,opportunities and threats.It is believed that the advantage of Bank B Taiyuan Branch in the construction of smart outlets at present is to have excellent brand value,vigorously build online and offline channels,and have obvious customer advantages.The main disadvantages are that the traditional thinking does not match the spirit of the Internet,the investment cost of dual-channel development is too high,and the security risk of self-service channels is high.The main opportunities are the rapid development of big data technology,the policy support provided by the head office for the construction of outlets,and the opportunity for customer transactions to be transferred online.The main threat is the impact of the rapid development of Internet finance,the increasingly fierce competition between offline peers,and the increasing internal business risks.Finally,the paper puts forward the countermeasures for the construction of smart outlets of Bank B Taiyuan Branch.Taiyuan Branch of Bank B should establish an intelligent all-in-one machine operation plan,increase the investment in intelligent equipment,strengthen the convenience of using intelligent equipment,and strengthen the promotion of intelligent teller machines in outlets.Improve the service efficiency of the outlets,subdivide the customer groups to provide refined services,and do a good job of customer diversion guidance and self-service.Optimize the linkage response service mechanism of each post in the outlets,implement the first responsibility system of the outlets,and strengthen the linkage of the posts in the outlets.Strengthen the technical support for the construction of smart outlets,strengthen the operation and maintenance management of smart devices in outlets,use big data to optimize customer waiting time,and cooperate with third-party technology companies for development.Finally,it is necessary to strengthen human and financial resources and risk protection,improve the business skills of employees in the outlets,strengthen the financial support for the construction of smart outlets,and strengthen the risk control management of smart outlets.It is hoped that the research results of this paper can provide theoretical and practical guidance for the construction of smart outlets of Bank B Taiyuan Branch,and can also provide reference and reference for the construction of smart outlets of medium-sized joint-stock commercial banks similar to Bank B.