| The emergence of different types of banking institutions,the involvement of non-banking financial organizations and institutions in the financial market,the development of Internet financial companies,the deepening of financial openness and the application of financial technology have caused a great impact on the operation and development of traditional large commercial banks,and the current market competition in the banking industry is at its most intense period ever.In the banking system,the grassroots network,as the most basic unit and the first-line customer-oriented channel,has the advantages of security and interactivity,so the network is still the center of gravity of bank management.In the fierce competition environment,the requirement for effective transformation of business network is becoming more and more urgent.This thesis will study the branch transformation based on relevant theories and combined with practice.Firstly,in terms of theory,a large number of journals and literature on branch transformation have been reviewed to summarize and outline the current research results and sort out the theories related to the transformation of bank branches;secondly,through analyzing the necessity of branch transformation of JT Bank Lianyungang Branch,the basic situation of JT Bank Lianyungang Branch is linked with the current situation of branch operation,and then the branch transformation plan implemented by JT Bank Lianyungang Branch is elaborated.The transformation plan mainly includes the adjustment of branch layout,intelligent equipment,staffing and service mode.After the implementation of the transformation program,it has played a positive role in promoting the development of the branch,but the transformation has entered the deep water area and problems have emerged.Therefore,various methods such as interview method and questionnaire survey are used to analyze and study the problems of branch transformation of JT Bank Lianyungang Branch.Through internal staff interviews and customer satisfaction questionnaire survey,the problems in the transformation process are identified and analyzed from two different perspectives of employees and customers,taking into account the actual situation.In response to these problems,strategic optimization suggestions are made for the branch transformation development of JT Bank Lianyungang Branch from various aspects,such as optimizing branch layout,optimizing personnel structure,strengthening team building,optimizing business processes,strengthening technology empowerment,and focusing on product innovation,etc.,and guarantee measures for branch transformation are proposed,hoping to provide some reference value for bank branch transformation. |
