The Research On Business Process Reengineering Of State-holding Commercial Banks

Developed retail banking business has several hundred years of development history ,at the turn of the century, foreign commercial banks is also undergoing profound changes, the retail business in the position and role of commercial banks on the rise. Currently commercial banks in developed countries, the retail business has become an important part of the source of profits.Our country's banking sector comply with the trend of the times, since 2004, have made strategic transformation, the development focus shifted gradually to the retail business. Our country's banking sector in December 2006 a comprehensive ban on foreign banks will be Banks pushed to the unprecedented level of intensity, should the trend of financial globalization and competition, transformation to the retail business has become an inevitable choice for various commercial banks. Development of retail business is the development trend of modern banking, international banking is also the present and future competition, the main focus. Who to occupy the retail business market who will have a competitive initiative, which is not only the domestic banking sector is a challenge, even more important is the opportunity. Throughout the development of China's banking history, development time is short, slow retail business is a disadvantage, but many business networks, wide-coverage is dominant. How to avoid weaknesses, to overcome the negative factors, give full play to advantages in competition to win business in China the key to the development of retail banking. Banks in developed markets in recent decades, rapid development of the retail business has accumulated a wealth of experience, especially in China's development market in the retail business. Their characteristics which deserve to be learn.As the special situation caused by development of retail banking in China a short time, slow speed, so at this basic the rapid growth are bound to exist some problems, which requires time in developing our retail business to their foreign counterparts to learn, but not blindly copy foreign business banking experience, but the light of actual conditions to develop their own retail business, thus avoiding the development of China's banking industry adversely affected. Based on the above considerations, this article briefly introduces the commercial banks, retail business knowledge and the development of commercial banks raised the importance of the retail business, and thus the CBRC approved the establishment of the four branches of foreign banks present situation and characteristics of retail business development analysis, by analysis to extract its valuable experience for China's banks. The third part analyses our country commercial bank retail business development situation, and puts forward the problems. The last part of the problem in a conclusion based on the combination of the development of foreign banks Commercial Bank of China raised retail business countermeasures.