The Impact Of Commercial Banking Retail Business On Its Steady Management

The retail business of commercial banks has been born and developed abroad for hundreds of years,but it has only gradually emerged in China in the past ten years.As China's economy enters a new era of important transition period,medium and large enterprises are under pressure from economic downturn.The impact is very serious.With the continuous advancement of the interest rate marketization process,the state has gradually upgraded the supervision of financial regulatory institutions to prevent major financial risks.The rise of technology finance companies and the development of financial disintermediation have made China's traditional banking business robust.The operation has brought about no small impact.Therefore,exploring the development of an intensive and efficient business model is imperative for the future development of the banking industry.Since the beginning of this year,the state has proposed financial policies for financial institutions such as commercial banks to tilt toward small,medium and micro-enterprise groups,and support the private economy to enhance the vitality of the economic market.This makes the research on the future development of the commercial banks of China mainly based on the development of retail credit.This paper mainly studies the impact of retail credit business on the development of China's commercial banks.Firstly,from the perspective of theory,this paper expounds the concept definition and classification of retail business,and analyzes the influence status and evolution motivation of retail business.Then it introduces the performance of the stable operation of commercial banks,and then theoretically analyzes the impact of retail business on the bank's operating performance.Subsequently,the semi-annual data of 16 listed banks from 2011 to 2018 was collected by narrowly defined retail business,and the bank's stable operating index Z-score was calculated.The proportion of retail liabilities business and the proportion of retail intermediary business.And other variables,further empirical research on the impact of retail business and commercial bank's stable operation correlation.The empirical results show that the retail business asset business,retail debt business,and retail intermediary business will significantly affect the bank's stable operation ability,and propose to develop innovative theoretical systems related to retail business,such as improving the commercial bank's retail business operation capability;improving the linkage marketing level;Product competitiveness;strengthening the construction of retail talent team,strengthening the construction of risk control system and other countermeasures and suggestions,has a realistic effect on improving the future profitability and market competitiveness of commercial banks.This is the purpose and role of this paper.