Research On The Development Of Retail Banking Business In Hsbc Haerbin Branch

With the continuous enhancement of China’s comprehensive national strength,China has implemented a comprehensive opening-up policy in the banking sector.So China has naturally become a key market for all Chinese banks to develop banking industry,and also an important target for foreign banks to develop personal retail business.Starting from HSBC Harbin Branch,this paper not only analyses the individual retail business’ real situation and developed environment,main competitors and industry competition for the development of HSBC Harbin Branch.Then in order to satisfy customers’ demand,respond to market competition and ensuring long-term and steady development of HSBC Harbin Branch’s personal retail business.The following text makes some corresponding requirements for HSBC Harbin Branch’s personal retailing business.To avoid some problems again,such as single products,insufficient customer management,lack of effective promotion methods,and lack of awareness of management risk and so on.In view of this,this paper puts forward corresponding development countermeasures on product,customer relationship maintenance,promotion,personnel management and risk management.At last,in view of the development status of HSBC’s personal retail business.It puts forward the development strategy of HSBC’s personal finance business and the implementation of safeguard measures.