设银行营口开发区支行零售业务数字化转型中存在的问题及对策

建设银行营口开发区支行零售业务数字化转型中存在的问题及对策摘要在科技发展的浪潮下，大数据的发展为各行各业带来了大量的利润，不仅提高了行业的运转效率，还打破了市场边界，使得大量互联网企业出现跨行业竞争，商业银行的客户基础和渠道优势也被互联网金融的迅猛发展持续削弱。从目前的银行整体业务来看，传统存贷业务之前的差距日益缩小，利润空间也因此被压缩，商业银行零售业务逐渐成为银行发展的核心竞争力之一。商业银行在面对来自外部的巨大压力时，也被要求不断完善技术。相比于国内规模较大的商业银行，建设银行营口开发区支行的零售业务在经营结构、产业规模和发展潜力方面均存在一定的差距，建设银行开发区支行必须加快进行零售业务数字化转型。本文对建设银行营口开发区支行零售业务数字化转型方案进行研究，介绍建设银行营口开发区支行零售业务发展概况，分析转型对建设银行零售业务发展的影响。通过对商业银行零售业务数字化转型环境以及建设银行开发区支行零售业务发展现状分析的方法找出营口开发区支行在实施转型方案中的不足之处，分析问题的成因。针对存在的问题从数据治理、客户经营、产品创新以及流程优化等方面提出改进设计方案，达到降低成本、增加盈利的效果，从而增强银行自身的竞争力和发展能力，提高效率的转型升级目标，为商业银行零售业务转型发展带来贡献。关键词：商业银行：数字化转型：零售业务AbstractUnder the tide of technological development,the development of big data has brought alot of profits to all walks of life,which not only improves the operational efficiency of theindustry,but also breaks the market boundary,causing a large number of Internet companiesto compete across industries.The customer base and channel advantages of commercial bankshave also been continuously weakened by the rapid development of Internet finance.Judgingfrom the overall business of banks at present,the gap between traditional deposit and loanbusiness is narrowing day by day,so the profit margin is compressed.Retail business ofcommercial banks has gradually become one of the core competitiveness of banks.Commercial banks are also required to constantly improve their technology when faced withgreat pressure from the outside.Compared with the larger domestic commercial banks,theretail business of Yingkou Development Zone Branch of China Construction Bank has acertain gap in management structure,industrial scale and development potential.Thedevelopment zone branch of China Construction Bank must speed up the digitaltransformation of retail business.This paper studies the digital transformation scheme of retail business of China ConstructionBank Yingkou Development Zone Branch,introduces the general situation of retail businessdevelopment of China Construction Bank Yingkou Development Zone Branch,and analyzesthe influence of the transformation on the development of retail business of ChinaConstruction Bank.By analyzing the digital transformation environment of retail business ofcommercial banks and the development status of retail business of China Construction BankDevelopment Zone Branch,this paper finds out the shortcomings of Yingkou DevelopmentZone Branch n implementing the transformation scheme and analyzes the causes of theproblems.Aiming at the existing problems,this paper puts forward an improved designscheme from the aspects of data governance,customer management,product innovation andprocess optimization,so as to enhance the competitiveness and development ability of banksthemselves,achieve the transformation and upgrading goals of reducing costs,increasingprofits and improving efficiency,and contribute to the transformation and development ofretail business of commercial banks.Keywords:Construction Bank;Digital Transformation;Retail BusinessⅢ目录要..Abstract..绪论1商业银行零售业务相关概述31.1商业银行零售业务