浅谈国有商业银行营业网点建设

Bank outlets construction is based on the regulatory environment, market competition, customer structure, technical environment and the bank's internal business product development, regional location , and management strategies, to adjust its distribution, function, business processes, risk management, etc. Change the bank outlets from a passive trading center to an active customer relation center.This paper firstly analyzes the situation of state-owned commercial bank outlets in the construction process. Then it summarizes construction experience of interbank and foreign bank from the perspective of both strategy and operation. Thirdly, it offers some ideas to optimize the bank outlets construction. This paper argues that the future of bank outlets will be coordinated with the development of e-bank, and its service will further tilting to retail banking. So banks need to prepare adequately to adapt to this change. Here are some ideas:(1) to further change philosophy ;(2)to deepen the reform of banking operations ; (3)to optimize the outlets layout ;(4)to optimize outlets operations.