Nowadays,interest rate marketization and financial disintermediation normalization,new financial formats driven by Internet,big data,5g and other emerging technologies are in the stage of continuous development,accompanied by intensified competition.The entry of foreign banks has intensified the competition in China’s banking industry.The demand for customer financial services is becoming more and more complex and diversified,and the competition in products,services and customers of banks is becoming more and more fierce.In the new form,further promoting the construction of smart banks has become an inevitable trend to support the rapid development of the banking industry.Taking Z bank as an example,this paper studies the transformation of smart banks under the characteristics of "Internet plus finance".The article is divided into six chapters in structure.First,it defines the concept of smart banks.Through the theory and theory support of the transformation of smart banks,combined with the current development situation at home and abroad,it analyzes and compares the schemes of commercial banks in the transformation of smart banks,and then takes Z bank as the research object,and concludes with practical cases.In the process of transformation from commercial banks to smart banks,the difficulties are analyzed in depth.At last,an effective implementation plan is formulated for the transformation and development of smart banks.At the same time,relevant target paths and safeguard measures are proposed to accelerate the pace of transformation and development of smart banks,and the construction goal of continuous upgrading and transformation from banks to smart banks in the future is prospected.Based on the practical experience of banking work,this paper analyzes the status quo of the transformation of Z bank’s offline smart outlets and the construction of online Internet channels,summarizes the problems encountered in the transformation of Z bank to smart bank,and provides practical experience for the transformation and development of commercial banks to smart bank.In the study of the transformation to smart bank,from the original construction task of e-bank to the stage of information construction,data construction and smart construction of bank management,it has certain reference significance for the transformation of smart Bank of commercial banks through the combination of online and offline multiple synergies and the supporting upgrading scheme of internal control and compliance system.Combined with the Internet plus new background of banking transformation,we innovate banking finance to boost and support the transformation of bank’s overall efficiency and business mode.We reintegrate and reestablish traditional physical outlets,integrate online offline multi-channel construction,and use financial technology and big data strategy to create a new mode of smart banking.