| As the deepening of Chinese financial reform,joint-equity commercial banks are affected by the internet finance and financial disintermediation severely.Because of the changes of consumption concept and saturation of corporate loan business,commercial banks have to adjust their business structure continuously and thus retail loan business,which has become one of the most important assets business to Chinese commercial bank,increases rapidly.Thus,it's quite significant to improve the competitiveness of retail loan business for Chinese commercial banks.Based on the above background,this article selects Harbin branch of industrial Bank as an example to research on the competitiveness,with the method of documentary analysis,comparative analysis,environment analysis and factor analysis.This is valuable not only for the development of the retail loan business of Harbin Branch but also for the development of domestic commercial banks.Under the proposed idea,this article organizes domestic and overseas documents related to the topic of research on and lays a theoretical foundation.Then it studies the development and market competitiveness of Harbin Branch in retail loan business in order to identify the effectiveness of regulatory policies,economy development,society environment and major competitors and evaluate the competitiveness of retail loan business.By summarizing the existing problems in products,business team,sales model,operating system,and risk control,this paper finds the root cause of business development.Finally,this paper comes up with countermeasures and implementation steps to improve the competitiveness of the retail loan business with the above analysis.That is,strengthening product innovation,attaching importance to team building,updating marketing concept,enhancing technical support,and improving risk management level.Eventually,finding the countermeasures to achieve the sustainable development of the retail loan business. |
PDF Full Text Request