Research On Intelligent Transformation Of Business Outlets Of DY Branch Of Postal Savings Bank Of China

With the rapid development of today’s social economy and the continuous progress of financial science and technology,now the figure of financial technology has penetrated into every link of our life.From the initial Alipay,We Chat Pay do not need to carry credit cards and cash to the supermarket shopping unattended checkout channel can be seen.Due to the establishment of direct selling banks in various cities and the impact of Internet finance,the DY branch of Postal savings Bank of China has declined sharply.The bank urgently needs to find a special transformation path suitable for the actual situation of the bank to improve its regional competitive advantage.This paper,based on the research on the transformation of business network intelligence of commercial banks at home and abroad,makes use of the methods of literature analysis,comparative analysis and questionnaire survey to study the business network of postal savings bank DY branch of China,according to the actual business and intelligent construction of the bank’s business network,and finds that the existing business network of postal savings bank of China has some problems,such as the serious backwardness of information system,the lack of service marketing consciousness of network personnel,the complicated business process,the weak application of big data,the lack of clear division of functional areas,and the of new intelligent machines and tools developed by itself,To provide some theoretical guidance for the intelligent transformation of the DY branch of the Postal savings Bank of China,so that its network can be transformed from the trading network centered on different transactions to the high-service and strong marketing network centered on customers.In order to promote the bank in the current Internet finance and financial technology and other rapid development environment to maintain a certain competitive advantage.