The Research On Innovation Of Commercial Banks Retail Business

With the development of international finance and commercial bank retail business,a great number of commercial bank put their attention on developing retail business.Commercial bank prefer developing retail business than company business because that retail business can spread risk and get more profits.Chinese commercial bank retail business play a positive role in devloping economy and market balance.Meanwhile,their have some problems in the innovation of Chinese commercial bank retail business,including having no characteristic strategy or products.Lots of problem appeared in 2013 because of shadow banking.China will be more and more affected by the development of global finance so that we should seriously have a research on the innovation of Chinese commercial bank retail business.This article is by the example of J bank,researching the current situation of retail business of China Commercial bank and analyzing the existing problems.Through the case study,it raises rational proposals and suggestions on optimizing retail business of China commercial banks.