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AbstractUnderthetideoftechnologicaldevelopment,thedevelopmentofbigdatahasbroughtalotofprofitstoallwalksoflife,whichnotonlyimprovestheoperationalefficiencyoftheindustry,butalsobreaksthemarketboundary,causingalargenumberofInternetcompaniestocompeteacrossindustries.ThecustomerbaseandchanneladvantagesofcommercialbankshavealsobeencontinuouslyweakenedbytherapiddevelopmentofInternetfinance.Judgingfromtheoverallbusinessofbanksatpresent,thegapbetweentraditionaldepositandloanbusinessisnarrowingdaybyday,sotheprofitmarginiscompressed.Retailbusinessofcommercialbankshasgraduallybecomeoneofthecorecompetitivenessofbanks.Commercialbanksarealsorequiredtoconstantlyimprovetheirtechnologywhenfacedwithgreatpressurefromtheoutside.Comparedwiththelargerdomesticcommercialbanks,theretailbusinessofYingkouDevelopmentZoneBranchofChinaConstructionBankhasacertaingapinmanagementstructure,industrialscaleanddevelopmentpotential.ThedevelopmentzonebranchofChinaConstructionBankmustspeedupthedigitaltransformationofretailbusiness.ThispaperstudiesthedigitaltransformationschemeofretailbusinessofChinaConstructionBankYingkouDevelopmentZoneBranch,introducesthegeneralsituationofretailbusinessdevelopmentofChinaConstructionBankYingkouDevelopmentZoneBranch,andanalyzestheinfluenceofthetransformationonthedevelopmentofretailbusinessofChinaConstructionBank.ByanalyzingthedigitaltransformationenvironmentofretailbusinessofcommercialbanksandthedevelopmentstatusofretailbusinessofChinaConstructionBankDevelopmentZoneBranch,thispaperfindsouttheshortcomingsofYingkouDevelopmentZoneBranchnimplementingthetransformationschemeandanalyzesthecausesoftheproblems.Aimingattheexistingproblems,thispaperputsforwardanimproveddesignschemefromtheaspectsofdatagovernance,customermanagement,productinnovationandprocessoptimization,soastoenhancethecompetitivenessanddevelopmentabilityofbanksthemselves,achievethetransformationandupgradinggoalsofreducingcosts,increasingprofitsandimprovingefficiency,andcontributetothetransformationanddevelopmentofretailbusinessofcommercialbanks.Keywords:ConstructionBank;DigitalTransformation;RetailBusiness目录摘要...................................................................................................................................IAbstract.......
