Research On The Developing Of Retail Banking Business In Chinese State-owned Commercial Bank

First, the disquisition summarizes the retail banking business. After discussing the concept and the basic characteristic of retail banking business, the article introduced the development general situation and developing trend of retail banking business.The second part primarily discusses the competition environment, which our country commercial bank must be faced with after China joins WTO. The analysis is included of the competition advantage analysis, the challenge analysis and the cooperation of Chinese and Foreign bank analysis. And the article give some suggestions to our country commercial bank about how to deal with the situation after China join WTO.Then we have a demonstration of China Construction bank jiangmen branch. We built up an analysis model of marketing research and discuss the developing of retail banking business in state-owned commercial bank during this demonstration. At the basis of this model, we discuss the developing way and the marketing strategy of retail banking business in state-owned commercial bank.What we analyze finally is the risk management problem in the retail banking business, we discuss the problem of the authority management to retail banking business and the mechanism that the commercial bank how to control their risk in retail banking business.