随着互联互通技术的快速发展，网络金融的触角已经伸到了传统银行的核心业务领 域，并已经引发了金融业的激烈竞争。网络金融借助科技的力量，轻型、便捷、低廉的 特点，使得传统银行网点的经营模式遭受重创。在面对房租、人工、行政运转等成本上 涨的现实压力的同时，各商业银行意识到网点转型的重要性并纷纷开启了转型之路。 本文以智慧银行发展的背景为出发点，通过分析银行网点转型的类型和内涵，深入 研究银行网点的存续问题，得出了网点转型的必要性和迫切性。接着，以南乐农商银行 网点的转型升级为案例，对其网点转型升级的实践和探索进行了研究分析。在此基础上， 结合国内商业银行网点发展现状及问题，文章从重塑网点定位布局、优化网点功能配置、 定制个性化金融服务、强化网点营销能力、提高网点创新能力和优化人力资源配置等六 个方面，提出了国内商业银行网点转型升级的具体措施建议。 通过对商业银行网点的存续与转型问题研究，本文重点是想探索银行网点未来的转 型方向和路径，也希望对南乐农商银行在未来转型发展道路上起到参考、借鉴的作用。 智慧银行在向前发展，金融科技也还在改变着人们的生活方式，而商业银行网点未来的 转型方向也必然是智能化的智慧型银行、轻型科技网点、线上线下多渠道整合的金融业 态。 关键词：智慧银行，银行网点，转型升级，南乐农商银行 II Abstract Withtherapiddevelopmentofinterconnectiontechnology,thetentaclesofnetwork financehaveextendedtothecorebusinessareasoftraditionalbanks,andhassparkedfierce competitioninthefinancialsector.Internetfinanceusesthepoweroftechnology,light, convenientandlowcost,maketheoperationmodeofTraditionalBankbranchsufferheavy blow.Inthefaceoftherisingcostofrent,labor,administrativeoperationandotherpractical pressure,commercialbanksrealizetheimportanceofnetworktransformationandhave openedtheroadoftransformation. ThisarticletakesthebackgroundofthedevelopmentofSmartBankasthestartingpoint, byanalyzingthetypesandconnotationsofthetransformationofbankoutlets,in-depthstudy oftheexistenceofbankoutlets,thenecessityandurgencyofnetworkpointtransformation areobtained.Then,takingthetransformationandupgradingoftheruralcommercialbankof Nanlecountyasacase,thepaperanalyzesthepracticeandexplorationofthetransformation andupgradingofitsbranch.Onthisbasis,combinedwiththecurrentsituationandproblems ofthedevelopmentofdomesticcommercialbankoutlets,Thearticlefocusesonsixaspects: remoldingthelocationandlayoutofnetworkpoints,optimizingthefunctionalconfiguration ofnetworkpoints,customizingpersonalizedfinancialservices,strengtheningthemarketing abilityofnetworkpoints,improvingtheinnovationabilityofnetworkpointsandoptimizing theallocationofhumanresources,thispaperputsforwardsomeconcretemeasuresand suggestionsforthetransformationandupgradingofdomesticcommercialbanks. ThroughtotheCommercialBankbranchsurvivalandthetransformationquestion research, thefocusofthispaperistoexplorethedirectionandpathofthefuturetransformationofbank outlets,itwillalsobeareferencefortheruralcommercialbankofNanlecountinthefuture transformationofthedevelopmentoftheroad,referencetothepracticalsignificance.Smart banksarestillmovingforward,andfinancialtechnologiesarestillchangingpeople's lifestyles,andthefuturetransformationdirectionofCommercialBanknetworkisintelligent bank,lighttechnologynetwork,on-lineandoff-linemulti-channelintegrationofthefinancial industry. Keywords:SMARTBank,Bankbranch,Transformationandupgrading,Rural CommercialBankofNanleCounty III 目录 第一章绪论.............................................................................................................................1 1.1研究背景、意义及目的................................................................................................1 1.1.1研究背景..............................................................................................................1 1.1.2研究意义..............................................................................................................2 1.1.3研究目的..............................................................................................................3 1.2国内外研究现状............................................................................................................5 1.2.1国外研究..............................................................................................................5 1.2.2国内研究..............................................................................................................5 1.3研究内容及方法............................................................................................................6 1.3.1研究内容..............................................................................................................6 1.3.2研究方法..............................................................................................................7 第二章相关理论概述.............................................................................................................8 2.1智慧银行........................................................................................................................8 2.1.1智慧银行的概念..................................................................................................8 2.1.2智慧银行的内涵..................................................................................................8 2.1.3智慧银行发展的影响因素分析........................................................................10 2.2商业银行网点转型的内涵..........................................................................................12 2.3商业银行网点转型的方向..........................................................................................13 2.3.1网点“硬件”转型................................................................................................13 2.3.2网点“软件”转型................................................................................................13 第三章智慧银行背景下网点的存续价值与困境分析.......................................................14 3.1银行网点的现状..........................................................................................................14 3.2银行网点的存续价值..................................................................................................15 3.2.1网点能够提供面对面的人性化服务................................................................15 3.2.2网点能够提供复杂性金融产品........................................................................16 3.2.3网点能够提高客户忠诚度................................................................................16 3.2.4网点客户资源丰富、经营稳健安全................................................................16 3.3银行网点面临的困境分析..........................................................................................17 3.3.1同质化严重，缺乏特色....................................................................................17 IV 3.3.2营销意识薄弱,服务层次低...............................................................................17 3.3.3操作流程复杂，等候时间长............................................................................19 3.3.4基于移动互联网等新兴技术的创新滞后........................................................19 3.3.5网点密度太低，金融服务覆盖面狭窄............................................................20 第四章智慧银行建设下的网点转型措施...........................................................................21 4.1重塑网点的定位与布局..............................................................................................21 4.1.1网点的定位现状................................................................................................21 4.1.2网点的布局现状................................................................................................22 4.1.3网点的定位与布局优化....................................................................................22 4.2优化网点功能配置......................................................................................................29 4.2.1功能转型的分类................................................................................................29 4.2.2功能转型的途径.....................................