Research On The Transformation Of Retail Business Of Commercial Banks

This paper expounds the important theories in the development of the retail business of commercial bank,on the basis of defining the concept of the retail business of commercial bank,summed up the characteristics and developing trend of retail business,analyzes the retail business development process,this paper discusses the brand theory,financial innovation,customer relationship management and risk management theory,the important significance in the development of the retail business transformation,laid a theoretical foundation for the full text.Then,analysis and research on the basic status quo of domestic commercial bank retail business development and transformation of necessity.Summarizes the present status of common in the retail business: serious product homogeneity,unreasonable organization structure rigidity,business processes,and incomplete service channel construction,and old customer relationship management(CRM)technology and risk management lags behind and so on several big problems.In the concrete analysis discusses the present situation of N bank retail business development as well as the practical problems,summarizes the bank's retail business development has been made in the process of experience.According to the current under the background of big financial retail business of commercial bank's actual problems,in-depth analysis of the specific bank face the specific problems,to make the strategy with strong pertinence and operability,has very important practical significance.Finally,this paper on the basis of relevant theories,combining the successful experience and revelation of the retail business transformation,the bank of N SZ branch of the retail business transformation of practical measures are put forward: adapt to the market development trend,get the development localization;Increase the efficiency of the channel;Using data mining technology to support the retail business IT system transformation;Brand wins,make the market appeal;Build scientific human resource management optimization assessment guide and deepen the risk management,for the domestic commercial bank retail business transformation development provides an important reference.Based on the perspective of bankers,this paper analyzes the current domestic commercial Banks and retail business of the main problems in the developing,practical attitude,to the transformation of N SZ branch bank retail business development countermeasures are put forward.In addition,this article from the market positioning,customer relationship management,risk control and so on macroscopic Angle to the analysis of current retail business,focusing on the specific measures of the retail business transformation and SZ branch security measure,implements the combination of theoretical analysis and empirical research,avoid the risk of thesis is divorced from reality.Hope this article can for the domestic retail business of commercial bank in the transformation of the new economic situation and practical references for benign development.