| The new situation of economic development is the opportunity for the development of retail banking of commercial banks and the great challenge of its future development.After a period of exploration and development,the retail banking business has achieved good results and summed up some experience.however,it is worth more studying about the problems of the retail banking' development.How to solve this problem is very important for the transformation and upgrading of retail business.This article is divided into six parts: the first chapter mainly introduces the research background,this article elaborated the state-owned commercial bank personal business strategic transformation research purpose and meaning;the second chapter summary of research at home and abroad,then it analysis the transformation of the state-owned commercial bank retail business,it provided theoretical support for the after studying.The third chapter sums up and discussed the problems existing in the development of retail business,and the developing problems of the retail business has been clarified.The fourth chapter introduces the development of domestic and foreign commercial banks as well as the joint-stock banks.Through the analysis of those banks,we can get the direction for the developing of state owned commercial banks 'retail business.The fifth chapter is mainly on A bank which was a good case of restructuring case for analyzing.It puts forward some good suggestions for the retail business transformation of state owned commercial banks.The sixth chapter summarizes the full text,and puts forward the prospect of the future development of the state-owned commercial banks. |
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