近年来，随着科技金融和数字经济的迅猛发展，以及互联网技术的广泛应用，传统银行网点的金融服务功能和服务渠道已无法满足客户的多样性和便捷化需求。作为客户办理业务的一个重要渠道，尤其在金融市场的完善、金融创新的不断涌现、科技金融和数字经济的迅猛发展以及日趋严格的监管框架和风险文化给银行的营销模式、获客模式和操作模式提出了巨大挑战的形势下，银行网点应该如何满足客户多样化的金融需求、提升客户满意度、增加客户黏度，已成为商业银行亟待解决的问题。在当前的形势下，N银行要想在竞争激烈的市场上站稳脚跟，就必须找到突破口，激发创新活力，实施符合自身发展特点的智能化转型策略。

本文以N银行旗舰网点为例，通过深入探讨银行智能化转型的背景、意义、国内外研究现状，并系统总结国内外智能银行的研究成果和金融经济理论，运用文献调研法、调查法、案例分析法，借鉴了同业智能化转型的发展策略，分析了N银行旗舰网点智能化转型的现状及存在的问题，主要包括：硬件设备不完善、网点服务水平低下、员工无法胜任新岗位、数据管理落后、风险管理有漏洞等方面。结合N银行的实际发展情况，对N银行旗舰网点智能化转型的宏观环境进行了PEST分析、对其行业环境进行了波特五力模型分析、从网点资源、金融资源、人力资源和管理水平对其内部环境进行了详细分析，对N银行面临的优势、劣势、机遇、挑战进行了SWOT分析，最后从优化网点布局、改善客户服务、优化业务流程、加强数据应用管理等方面，提出了N银行旗舰网点智能化转型策略，以及优化网点组织架构、推进基础设备升级、加强网点员工管理、强化智能风险控制等保障措施。希望通过本文的研究，能够帮助N银行旗舰网点实现智能化转型，同时也能够为国内其他同类型商业银行的网点智能化转型提供一定的参考和借鉴。

In recent years, with the rapid development of science and technology finance and digital economy, as well as the extensive application of Internet technology, the financial service functions and service channels of traditional bank outlets have been unable to meet the diversity and convenience needs of customers. As an important channel for customers to handle business, especially in the context of the improvement of the financial market, the continuous emergence of financial innovation, the rapid development of technological finance and digital economy, as well as the increasingly strict regulatory framework and risk culture, the marketing mode, customer acquisition mode and operation mode of banks have posed great challenges. How to meet the diversified financial needs of customers, improve customer satisfaction and increase customer stickiness has become an urgent problem for commercial banks. In the current situation, if N Bank wants to gain a firm foothold in the highly competitive market, it must find a breakthrough, stimulate innovation vitality, and implement intelligent transformation strategies in line with its own development characteristics.

This paper takes the flagship network of N Bank as an example, through in-depth discussion of the background, significance and research status at home and abroad of the intelligent transformation of banks, systematically summarizes the research results and financial and economic theories of intelligent banks at home and abroad, and fully draws on the development strategies of intelligent transformation in the same industry by using literature research, investigation and case analysis. This paper analyzes the status quo and existing problems of the intelligent transformation of the flagship network of N Bank, including: imperfect hardware equipment, low service level of the network, employees are not qualified for new positions, backward data management, and loopholes in risk management. Based on the actual development situation of N Bank, the macro-environment of the intelligent transformation of N Bank's flagship network is analyzed by PEST analysis, the industry environment is analyzed by Porter's five forces model, and the internal environment is analyzed in detail from the perspective of network resources, financial resources, human resources and management level. SWOT analysis is carried out on the advantages, disadvantages, opportunities and challenges faced by N Bank. Finally, the intelligent transformation strategy of N Bank flagship network is proposed from the aspects of giving full play to the advantages of the network, improving customer service, optimizing business process and strengthening data application management. And optimize the organizational structure of the network, promote the upgrading of infrastructure equipment, strengthen the staff management of the network, strengthen intelligent risk control and other safeguard measures.It is hoped that the research in this paper can help N Bank to realize the intelligent transformation of its flagship outlets, and at the same time provide certain reference and reference for the intelligent transformation of other commercial banks of the same type in China.

[1]Liberti José María,Petersen Mitchell A.Information:Hard and Soft[J].The Review of Corporate Finance Studies,2019(01):1-41.

[2]Itay Goldstein,Wei Jiang,G Andrew Karolyi.To FinTech and Beyond[J].The Review of Financial Studies,2019(05):1647-1661.

[3]Ziyun Shu,Shuk-Yu Tsang,Taoxuan Zhao.Digital Transformation of Traditional Chinese Banks [J].Open Journal of Business and Management,2020(11):56-58.

[4] Diener Florian,Spacek Miroslav.Digital Transformation in Banking:A Managerial Perspective on Barriers to Change[J].Sustainability,2021(13):2032-2033.

[5]Vedapradha R,Hariharan Ravi.Innovation in banking: fusion of artificial intelligence and blockchain[J].Asia Pacific Journal of Innovation and Entrepreneurship,2021(01):51-61.

[6]Carl Benedikt Frey,Michael A.Osborne.The future of employment: How susceptible are jobs to computerisation[J].Technological Forecasting & Social Change,2017(114)：254-280.

[7]Shih-Chia Huang，Suzanne McIntosh，Stanislav Sobolevsky.Big Data Analytics and Business Intelligence in Industry[J].Information Systems Frontiers,2017(6):1229-1232.

[8]Mark A Chen,Qinxi Wu,Baozhong Yang.How Valuable Is FinTech Innovation[J].The Review of Financial Studies,2019(5):2062-2106.

[9]Navleen Kaur,Supriya Lamba Sahdev,Monika Sharma,Laraibe Siddiqui.Banking 4.0: “The Influenceof Artificial Intelligenceonthe Banking Industry& How AI Is Changingthe Faceof Modern DayBanks”[J].International Journalof Management,2020(6):23-25.

[10]Zuo Lihua,Strauss Jack,Zuo Lijuan.The Digitalization Transformation of Commercial Banks and Its Impact on Sustainable Efficiency Improvements through Investment in Science and Technology[J].Sustainability,2021(13):11028-11028.

[11]Fujia Sun.Development and Transformation Strategies of Banking Industry under the Background of Fintech[J].E3S Web of Conferences,2021(253):3068-3069.

[12]Marta Degl’Innocenti，Tapas Mishra，Simon Wolfe.Branching, lending and competition in Italian banking[J].The European Journal of Finance,2018(3):208-230.

[13]Kuznyetsova A. Y.,Drozd I. V.Improving the Efficiency of the Organizational-Functional Transformation of the Banking Sector[J].Business Inform,2019(493):375-382.

[14]Leszek Wanat,Sylwia Klus，ElzbietaMikoajczak.The Economic and Social Dilemmas of Management Focused on the Future of Retail Branches of Commercial Banks in Poland[J]. Quality Production Improvement - QPI,2019(01):34-41.

[15]Josh Botnen.A community bank’s digital transformation: Process, people and branding — implementing a purposeful digital banking strategy that puts people first[J].Journal of Digital Banking,2020(4):301-306.

[16]Ioannis E.Tsolas,Vincent Charles,Tatiana Gherman.Supporting Better Practice Benchmarking:A DEA-ANN Approach to Bank Branch Performance Assessment[J]. Expert Systems With Applications,2020(160): 120-124.

[17]孙亚杰，张敏慧，周锐，吴宜璟，李泰珉.互联网金融下银行网点分布特征[J].合作经济与科技，2020(11):67-69.

[18]瞿晓强.大型国有商业银行数字化转型实践[J].现代商业，2021(26):145-147.

[19]秦艳.基于金融科技发展的商业银行转型策略研究[J].科技经济市场，2021 (04)：101-103.

[20]胡军锋.商业银行数字化转型实践——以邮储银行为例[J].中国金融电脑，2021(05):26-30.

[21]薛小飞.民营银行数字化路径选择[J].中国金融，2022(03):79-80.

[22]黄琛，徐倩蓉.邮储银行网点智能化运营转型研究与探索[J].中国金融电脑，2022 (06)：54-57.

[23]齐晔.致力打造一流财富管理银行客户体验[J].中国信用卡，2019(12):26-30.

[24]邓宇.银行网点“空心化”的原因与解决路径[J].银行家，2019(07):93-95.

[25]金婧.智能化背景下商业银行网点客户经理职业能力需求及培养机制[J].现代商业，2019(13)：70-71.

[26]王金吉.基于地理信息系统的银行网点布局研究——以昆山市为例[J].中国集体经济，2019(35)：80-81.

[27]王东瑞.商业银行网点转型问题研究[D].中国社会科学院研究生院，2020.

[28]郑斯莹，蔡丽君，裘丽雯，谌文溢.商业银行智能化转型研究[J].市场周刊，2020(05)：125-126.

[29]杜红艳，丁伟.新经济背景下农村商业银行网点智能化转型探析[J].淮北职业技术学院学报，2021,20(04)：69-71.

[30]周卿.传统商业银行转型与营销策略探索[J].中国市场，2022(32)：94-99.

[31]魏鹏.银行营业网点转型“锦囊”[J].现代银行，2019(12):50-53.

[32]刘明莹.探究商业银行网点智能化建设策略[J].环渤海经济瞭望，2020(07)：37-38.

[33]桑奎.科技赋能中小银行零售数字化转型[J].银行家，2020(07):118-121.

[34]蔡普华，汪伟，郑颖，阮超.金融科技发展与银行数字化转型：影响与建议[J].新金融，2021(11):39-44.

[35]张一林，郁芸君，陈珠明.人工智能、中小企业融资与银行数字化转型[J].中国工业经济，2021(12):69-87.

[36]娄飞鹏.银行网点变化的事实特征与趋势研判——兼论金融科技时代银行网点问题[J].西南金融，2021(09)：28-39.

[37]董玉华.线上线下协同发展是商业银行转型大趋势[J].清华金融评论，2021(09):94-96.

[38]李学峰，杨盼盼.金融科技、市场势力与银行风险[J].当代经济科学，2021(01):45-47.

[39]张艳.大力推进金融与科技深度融合——邮储银行云南省分行让金融服务没有距离[J].时代金融，2021(20):21-23.

[40]张庆君，郭辽，欧一丁.数字化转型提升了银行服务实体经济能力吗？——基于我国上市银行的经验证据[J].武汉金融，2022(04)：29-39.

[41]徐志华.银行数字化转型中的风险管理[J].中国金融，2022(06)：64-65.

[42]赵丹丹.国内外领先银行数字化转型的实践与启示[J].新金融，2021(10)：15-20.

[43]王宇鹏.金融科技背景下的商业银行智能化转型探讨[J].财富时代，2020(07):66-68.

[44]李硕.新时期银行智能化转型思考[J].中国金融，2022(14)：67-68.

[45]石蕾.“大智移云”背景下商业银行网点转型研究——以S商业银行为例[D].山东师范大学，2022.

[46]王文臣.互联网金融背景下商业银行网点转型路径[J].现代企业，2022(09):119-120.

[47]张海丽.金融科技背景下商业银行网点运营数字化转型路径研究[J].财经界，2023(21):21-23.

[48]刘建珂.金融科技背景下商业银行网点转型研究[J].金融客，2023(01):19-21.

[49]刘堰龙.商业银行零售网点转型的实践探索[J].商业2.0，2023(14):77-79.

[50]陆岷峰.商业银行数字化转型风险类型、特征及治理体系[J].金融发展研究，2023(10):63-68.