Research On Developing Retail Banking Of China Citic Bank

Along with the vigorous development of the financial sector, the development of banks isbecoming more and more important. As the business model of traditional banking encounterproblems, retail banking become the core business of banking industry. This paper studies onChina CITIC bank which is one of the most developed shareholding commercial banks in Chinaand try to analyze the development status of CITIC by using ANVOA and SWOT analysismethods and through studying on the environment of development of banking industry andcomparing with the other banks in China. On this base, the strategies for CITIC bank to developits retail banking are to focus on building its brand and using product differentiation strategy tooffer customized services for its customers.