| Since entering the new century,the Rural commercial Bank is one of the financial pillars in China’s social and economic system.The operation of the rural commercial bank can also be called the barometer of China’s local financial industry,which plays a supporting and promoting role in the overall operation of the financial industry.In the strategic planning of promoting rural revitalization and poverty alleviation in China,rural commercial banks have played an irreplaceable role in providing financial support for agricultural development.However,as China’s economic growth has entered a flat stage and the goal of comprehensive poverty alleviation has been preliminarily achieved,the business model of rural commercial Bank has become rigid.The retail business of rural commercial Bank,which relies too much on policy orientation,has been unable to meet the needs of financial development in the new era and is in urgent need of business model innovation.In the process of research,this paper mainly sorts out the current status and future development trend of the retail business of rural commercial banks in my country,and further explores the current situation of the retail business development of Changshu rural commercial banks based on existing financial theories.The problems existing in the development of retail business of commercial banks.For example,the traditional deposit-loan spread has a great impact on income,the development of intermediary business is slow,the type of intermediary business is single and traditional,the scale and benefit expansion,the profit method is not significant,and the capital operation efficiency is not high.If these problems are not solved,the development of the retail business of rural commercial banks will also be affected to a certain extent,which is not conducive to the improvement of their own profits.Through the analysis of the reasons for these problems,it is mainly caused by the improvement of the current capital supervision,the backward internal management mechanism of the bank,the lack of accurate and clear brand positioning and the low quality of staff service.Therefore,this paper will further put forward corresponding countermeasures based on the actual situation,and guide the retail business of Changshu Rural Commercial Bank to further strengthen the improvement of business risk control capabilities,take effective measures to optimize product development capabilities,and further improve the intermediate business operation management system.At the same time,a corresponding optimization plan was proposed for the development of Changshu Rural Commercial Bank’s retail business,including the implementation of the concept of financial technology to optimize the service quality of outlets,enhance personnel training,increase incentives for sales personnel and build a risk management system. |
