What are the problems in the development of bank business management transformation

In today's increasingly fierce competition in the same industry, cross-business, many banks have to use their skills to attract customers, attract customers, occupy customers. In the case of increasing assimilation of hard power among banks in terms of network planning, service facilities, product systems, service processes, etc., the transformation of the network, change and the provision of quality services has become a necessary path for banks to survive and develop.　　For a while, the call for the development of community banking is growing, has become one of the hot topics of financial reform, banks are gradually exploring suitable for their own development of community banking transformation and construction of the road, to provide customers with better financial services.　　The concept of community banking first came from the United States and other Western financial developed countries, in which the "community" is not strictly defined geographical concepts, can refer to a city, a district, but also can refer to the city, the township residents of the settlement area. Where the asset size is small, mainly for the operation of small businesses in the region, individual merchants, residents and families of local small commercial banks can be called community banks. In China, the community bank is a strictly in accordance with the market mechanism to operate the bank, if the simple imitation of the successful experience of foreign commercial banks to establish community banks, will certainly encounter greater resistance. However, based on China's current level of economic development and development status quo, combined with the agricultural financial institutions based on rural areas, services to the three rural operating characteristics, to explore the characteristics of rural banks to develop their own characteristics of the transformation of the construction of community banks is feasible.　　Rural banks are generally based in rural areas, serving the three rural areas, and have many outlets. Compared with high profile state-owned banks and commercial banks, rural banks start from small, start from the scattered, sincere, sincere to convince people, is effectively integrated into the rural "small bank". Especially in recent years, to "financial services into the village into the community project" as a focus, has carried out into the community, into the rural areas and other financial services activities, in-depth front-line, to understand the needs of customers, and urban and rural customer base to establish a good communication and cooperation and exchange mechanism, pro-people, convenient, beneficial to the people of the bank's image y rooted in people's hearts.　　In building community banks, first of all, it is necessary to carry out in-depth analysis and market segmentation for the different consumption needs and consumption habits of community residents, and carry out financial services according to the consumption characteristics of community banks.　　The market positioning of community banks should be based on middle- and high-grade communities, and the service targets should focus on people in the middle and high-income levels of social strata. Services should be centered on residents' life consumption, children's education, entertainment and culture. Innovative service channels and service forms for the characteristics and needs of community customers: i. Extended service hours. ii. In order to meet the needs of some customers for financial services after work, the "financial night market" was launched, delaying the opening hours of the bank, especially the private service hours, by 1-3 hours on the original basis. This delayed service is not a universal service, generally in special areas and for users with special needs, such as in the summer time, the downtown area or residential neighborhoods near some of the outlets to extend the time. The Shanghai Agricultural and Commercial Bank of China's "financial convenience store", which is widely promoted by the bank. It is a small bank outlets, in the business area, basic only one-tenth of the traditional bank outlets. In terms of staffing, it generally requires only 3-5 staff. The biggest feature is the implementation of staggered extended hours of service, evening business, service hours extended to 21:00 pm, for customers self-service machines can not be the traditional business.　　Second, provide value-added services. With the intensification of competition in various industries, business competition and mutual penetration, it has been difficult to define the industry in which they are located. And this penetration so that enterprises in the originally unrelated channels *** enjoy resources, or through industry penetration to form a 1 +1 & gt; 2 brand superposition effect, thereby multiplying revenue. Shunde Agricultural and Commercial Bank recently launched a "supermarket bank", the bank's financial services in today's Internet financial impact has been increasingly challenged to introduce supermarkets into the bank is undoubtedly equal to a value-added services, which has a certain attraction for the bank's customers. At the same time, the bank's traditional way of doing business into this new retail business, but also to the bank's service positioning for a revolution, more likely to make it in the differentiation of services to stand out. To be sure, if the bank can bring more convenient human services or more personalized services into the bank branch, a change in the traditional banking service standards, then it will give customers a different and good experience.　　Third, community financial services. Here we can learn from Minsheng Bank's "community financial" model, including: First, rooted in the community, to promote the construction of Minsheng Financial Intelligent Supermarket, located in the middle and high-end residential neighborhoods, set of self-service equipment, online banking, mobile banking experience, as well as some people's services as a whole; Second, innovative products, the introduction of a series of financial products for the convenience of the people, including the community customer Second, innovative products, the introduction of a series of financial products for the convenience of the people, including community customers, a card, universal payment platform, to help create a 15-minute convenience around the community business circle; third, around the "food, clothing, housing and transportation" to provide services for the benefit of the people, including the regular implementation of the people's livelihood services into the community, preferential merchants, community exclusive offers, and even include the community of the elderly regular physical examination, square dance teaching. As the main "community finance", supporting the launch of the "consumer credit" business, for eligible residents of the community credit, providing a maximum of up to 500,000 yuan, without collateral and guarantee of consumer loans, for personal and family consumption purposes.　　In addition, while creating a community bank, it should further enhance the pace of construction of benchmark outlets, prompting the entire bank's staff to continuously improve the level of service, focusing on service connotation, to provide customers with quality services.　　Today's bank, only etiquette on the guest, so that quality service has become a habit, such as eating, drinking water of nature, in order to further enhance the quality of service, to provide customers with comfortable, intimate, convenient, beneficial service environment, thereby enhancing the bank's own core competitiveness.　　Every move, every etiquette, every word, every action is service. Continuously improve the level of financial services, explore the road of transformation and construction of community banks suitable for their own development, benefiting the people, serving the people, is the current financial and economic development of the status quo of the general trend of the situation is compelled, but also the general trend. This is a challenge to our rural bank development, but also an opportunity, but also the transformation and development, seeking breakthroughs, promote the turning point of the metamorphosis.