在经济降速换挡、产业结构优化升级的大背景下，国内金融市场发生了一系 列新情况和新变化。我国商业银行受到利率市场化、互联网金融以及外资银行的 冲击、居民金融意识不断提高的影响，普遍面临着经济效益不高，产品智能化程 度偏低，客户流失严重等一系列的问题，造成经营效益低下，影响着商业银行的 整体经营水平，商业银行发展转型发展迫在眉睫。为了进一步提高商业银行的整 体竞争力，实现新形势下零售业务的进一步发展，对传统商业银行进行转型发展 已经成为一种必然选择。 本文阐述了课题研究的背景以及意义，首先，针对国内外学者在该领域的研 究成果进行评述；在结合国内外研究现状的基础上，总结了本文研究所需的相关 理论基础；其次，笔者通过国内银行所面临的挑战及转型方向，并实地考察研究 列出邮政储蓄银行九江市分行的经营现状的数据。对新形势下的经营现状进行重 点问题分析；最后，通过对市场利率化、各互联网平台的影响，尝试寻找出邮储 银行九江市分行未来发展的方向，并在新形势的冲击下完成转型发展的建议。 关键词：互联网金融；经营转型；金融脱媒；发展 II Abstract A series of new situations and changes have taken place in the domestic financial market under the background of economic downshift and industrial structure optimization and upgrading. China's commercial banks are affected by the marketization of interest rates, the impact of Internet finance and foreign banks, and the continuous improvement of residents'financial awareness. They are generally faced with a series of problems, such as low economic efficiency, low degree of product intelligence, and serious customer churn, which result in low operating efficiency and affect the overall economy of commercial banks. The development level of commercial banks is very urgent. In order to further improve the overall competitiveness of commercial banks, to achieve the further development of retail business under the new situation, the transformation and development of traditional commercial banks has become an inevitable choice. This paper expounds the background and significance of the research, and comments on the research results of domestic and foreign scholars in this field; secondly, on the basis of the research status at home and abroad, summarizes the relevant theoretical basis for this study; thirdly, the author aims at the operation of Jiujiang branch of the postal savings bank under the new situation. This paper focuses on the analysis of the current situation and introduces the transformation direction of Jiujiang Branch; then, the author makes a targeted analysis of the impact of the current new situation on the transformation of Jiujiang Branch, and finally, combined with the relevant theoretical basis, puts forward the transformation strategy of Jiujiang Branch of the Postal Reserve Bank under the new situation. Try to find out the future development direction of Jiujiang branch of the postal savings bank, and put forward some suggestions to complete the transformation and development under the impact of the new situation.