The Study On The Transformation Of Retail Banking Business Of Provincial Capital Ruralcommercial Bank

Lack of demand for the real economy is affected by the economic cycle,with slowdown of the domestic economic.At the same time,a number of banks would like develop "massive retail" strategy in process of the interest rate marketization.As a traditional bank,provincial capital rural commercial bank can not take interest margin as the main source of profit any longer,transformation of retail banking business should be executed if it wants to occupy a space in the increasingly competitive domestic market.Although Chinese commercial bank is small or medium-sized,it is closely linked with China’s urbanization because it focus on agriculture service,rural township service and community service.Based on the special geographical position and different development mode,systematic research with the traditional domestic commercial bank is few.In recent years,provincial capital rural commercial bank business has developed rapidly,its transformation of retail banking business plays a vital role in meeting the financial needs of rural residents.Large number of customers are also relatively stable,the debt scale is larger.Facing the popularity of Internet banking and electronic payment,provincial capital rural commercial bank must transform retail banking business to ensure the market competitiveness.On this basis,this paper systematically analyzes the rapid development of provincial capital rural commercial bank in recent years,it takes retail banking business transformation as an entry point to discuss the sustainable development of the whole provincial capital rural commercial bank.It is also the main innovation point of this article.This paper adopts the method of theoretical research,then expounds the current situation of retail banking business development of domestic and foreign commercial bank on the previous research results for reference.After that,according to the characteristics of Chinese provincial capital rural commercial bank,it analyses the necessity and feasibility of the retail banking business transformation in the current market environment trend,then puts forward relevant strategies.This paper is divided into six parts.The first chapter mainly discusses the background and significance of this study,research status,research methods and research content,the structure and the possible innovation.The second chapter expounds the concept and characteristics of the provincial capital rural commercial bank.This chapter mainly defines concept of provincial rural commercial bank and provincial capital rural commercial bank.According to the practice,this part analyzes four characteristics of provincial capital rural commercial bank——the intense competition of the same industry,the strong bargaining power of the customer,serious aging of customer group,and the deepening threat of the potential entrant.The third chapter analyzes the current situation and existing problems of the retail business of provincial capital rural commercial bank.The current situation is the overall development lags,the insufficient data application,business system backwardness,and the single channel establishment.The fourth chapter is the necessity analysis and feasibility analysis of retail banking business transformation.It discusses current development situation of provincial capital rural commercial bank retail banking business firstly,then analyses tight regulatory requirements,slow growth of macroeconomic,rapid rate of policy change,and the impact of financial disintermediation.The fifth chapter is transformation strategies of retail banking business.It concludes the transformation path,service transformation,production transformation and so on.The sixty chapter is the conclusion.