A Study Of The Development Of Retail Business In Commercial Bank And Risk Management

In recent years,as the domestic retail banking market matures.For ensuring the capital adequacy ratio,commercial banks adjust and optimize the structure of business considerations,have focus on the retail business as a strategic field.Innovative retail financial products,increase marketing,provide a wide range of customized services and achieved some results.In order to make our retail business to reach the international advanced level,we must take a series of effective methods.Therefore,the development of retail banking study has certain practical significance.With the development of the retail banking,risk will generate.Although we have get some achievement in Retail Risk Management,we also have a large gap between our country and foreign.Therefore risk warning,risk control has become the focus of retail banking rapid development.This paper is divided into four chapters.First introduced the basic content of retail banking,make the reader have an understanding of the retail business.Followed by the scholars all around the world introduced the development of the retail business and retail banking risks of commercial banks.Next,described the current situation of the development of retail banking,the problems encountered and solutions.And then through the factor analysis,building a retail banking risk management system,take the Capital adequacy ratio as the dependent variable,the loan size,the average return on assets,asset size and other factors as independent variables in order to find the risk factors affecting retail sales.Finally describe the strategies of retail banking risk management.Hope that through this article to find out the methods to manage retail business risk.The innovation of this article: First,using a combination of qualitative and quantitative methods,citing large amounts of data to explain the risk factors and prevention.Second,using the factor analysis,building a retail banking risk management system to find the main factors of the Retail business risk.