Study On The Strategy Of Retail Business Of Small And Medium Banks

As a international trend which banks in china are confronted with, retail banking have been the most profitable operation, therefore, strategic transformation to retail banking is critical for banks in china, especially for small and medium banks(SMBs) which will be up against more severe survival problem in the future. This article introduces the conception, sorts, characteristic by the numbers, and analyses the academic groundwork and status quo of retail banking. Further more, this article discusses strategy of distribution, risk supervision and market competition.This article introduces the conception, sorts, characteristic by the numbers, analyses intensively retail the academic groundwork and status quo of retail banking in the first charter. In the second charter, this article analyses some problems in developing retail banking for small and medium banks, including the significance, status quo in china, and the present important opportunity for SMBs in china. We consider today to be a good occasion to develop retail banking in china, which is more important for SMBs, and influence future status of them. It is said that personal financing, credit cards and the electronic banking are three most important fulcrums for SMBs.The third charter stress on the distribution of retail banking and figures that multi-channel and full- orientation distribution model is critical for developing retail banking. The work we should do right away is to establish a data-base of client information and to strengthen innovating ability.Risk of retail banking includes three phases according to its operation. This charter analyses the risk presentiment, control and feedback of retail banking in each phase, and advance better method to supervise risk by combining the single operation risk and holistic risk of retail banking. We think it important to cultivate culture of risk supervision.The last question is how we consider the competition status of SMBs. We use Baud matrix to analyses the configuration of retail market, and analyses the competition status of SMBs, including its opportunity and threat. They should choose proper strategy to compete with opponents. It is critical to choose a right strategy and bring it into effect. But before this, they should coordinate effectively resource of themselves, and this article advances some material measures.