China's Commercial Banks To Retail Business Development Strategy

This article take is connected the strategic management theory as a foundation, retails the service advanced trend of development take the overseas commercial bank as the model, retails service reforming take Our country Commercial bank as the master line, uses the SWOT analysis and the case real diagnosis research technique, to Our country Commercial bank in the management reforming process, how speeds up the development to retail the bank service to conduct the strategy research.At the same time, through to Low Denong the line of retail sales service development strategy design choice, hoped the retail sales service and the mesh point reforming work which develops diligently has the reality guiding sense to current Our country Commercial bank. This article studies thought along with the foreign capital bank official launch Renminbi service, the foreign capital bank relies on the advanced marketing idea, the rich financial product, the mature market operation, the consummation customer management and the noble graceful mesh point environment, demonstrates the formidable competitive power in the domestic retail sales bank service domain; Our country Commercial bank must maintain the retail sales service the competitive advantage, must adopt the effective retail sales bank service development strategy; Our country Commercial bank has the mesh point many, the customer cognition high, the understanding and the familiar market tradition competitive advantage, but the retail sales service whole and the long-term development strategy research is insufficient, specially the mesh point function and the competitive power urgently await to enhance; Formulates Our country Commercial bank to retail the service correctly the development strategy, speeds up implements mesh point reforming develops the retail sales service effective way. This article reveals Our country Commercial bank so long as displays already the tradition competitive advantage which has, the foothold domestic reality, setting up does in a big way, makes the strong retail sales service the enterprise prospect, through the resources reasonable disposition, the organizational structure reasonable adjustment, develops vigorously manages finances personally the service and speeds up implements mesh point reforming, the retail sales service will certainly to become Our country Commercial bank new profit point of growth.