Research On The Development Of Retail Business And Improvement Plan Of Bank Of Beijing Xi'an Branch

From bank development experience of developed countries, the retail business has been occupying half of the commercial bank profits, but in our country, for a long time each priority to the development of commercial Banks has been achieved fast and comprehensive income higher the company's business, and the cumbersome and ignored, effective slow retail business concerns. But as the spread of the outbreak of the global economic crisis, in 2008 and the pace of the domestic financial market reform after 2013 sudden acceleration, the bank and the real economy closely related operators are also facing increasing risk of bad debts and inherent profit model and profit decline in challenge, therefore, domestic commercial Banks to assess the situation, the situation down in the global economy and industry changes under the background of marketization and internationalization, to recognize the basic meaning of the retail business, and have made a strategic choice to the retail business transformation.Was based on changes in domestic and foreign economic situation and industry overwhelming consideration, based on the bank of Beijing, xi'an as the research object, based on the xi'an branch of the retail business development present situation, with an eye to future retail business development, xi'an branch of bank of Beijing, xi'an branch current in the process of developing the retail business, analysis of the causes of the problems and dig out the obstacles to xian branch current relevant system design of the development of the retail business, products, services, marketing and customer management, and other issues, and problems in the retail business, put forward a series of retail business improvement measures, such as: speed up the marketing team construction, strengthen the protection of customer relationship management, optimization of human resources, promote private banking brand construction, improve the electronic bank and community banking channels, etc., and then the corresponding to carry out the relevant security improvements measures are put forward.The change in the financial industry and the transformation of the commercial Banks to the retail business, against the background of this by focusing on the bank of Beijing, xi'an retail business development present situation and the study of a series of improvements, believe that will be on at present, the development of the retail business of xi'an branch have the effect of thin cloud see day, also will have some reference to the development of trade and retail business.