Research On Retail Business Transformation Of QLB Bank Based On Population Aging

The trend of population aging,the society is the most significant change in China within a certain period of time.Adapting to the trend of population aging,adjusting development strategy and promoting business transformation has become an inevitable choice for commercial banks to carry out retail business innovation.This study is closely related to the theme of population aging and commercial bank retail business transformation,taking QLB bank as an example to carry out empirical research.Through the investigation of the status and development trend of QLB bank retail business old customer group,the impact of population aging on the retail business of QLB bank is clearly analyzed by SWOT analysis,and the solutions are also discussed.Through the data collection and analysis of the QLB bank's business structure,customer structure and its development trend,it is found that under the comprehensive influence of the internal and external policy environment of the banking industry,QLB bank has spent the period of barbaric growth at the beginning of the establishment,and the role of retail business has gradually increased in the follow-up competition development,especially in the middle and old age customers,and the role of the retail business is becoming more and more obvious with the aging of the retail business.Show.Through customer information statistics and questionnaires,we know the proportion of middle-aged and elderly customers and the characteristics of their business needs.Using SWOT to analyze the advantages,disadvantages,opportunities and threats of QLB Banking Retail business in the tide of population aging,and systematically discuss the urgency and feasibility of commercial bank retail business transformation under the background of population aging.On this basis,it is proposed that under the background of population aging,QLB banks must change the business idea of commercial banks and promote retail business,customer marketing,and marketing.It is necessary to pay high attention to the service of the old customers,to fully understand the elderly customer service,to fully understand the characteristics of the old customers,to develop the banking products that meet the needs of the elderly,to build the service mode to facilitate the elderly customers,to strengthen the ability to build the financial team for the elderly customers,to strengthen the individual ability and to give full play to the team role,and to strengthen the business bank management.Risk management especially pays attention to the liquidity risk,credit risk and financial management risk brought by the aging of the population to commercial banks.The results of this study will be a reference for banks to adjust the retail business to cope with the aging of the population.