| Community bank is an organic integration of financial services and life services online and offline,and provides convenient and characteristic comprehensive financial services for customers around community sub branches by using its characteristics of simplification and refinement,intelligent automation,people-friendly and people-friendly.China’s financial institutions developed late in community banking and are still in the exploratory stage.Small and medium-sized banks and urban commercial banks have small scale and limited comprehensive management ability.Therefore,by developing community banks with low cost and high flexibility,we can effectively avoid the huge impact brought by the marketization of interest rate and the squeeze of large state-owned banks on small and medium-sized banks.Taking Changsha Community Branch of Bank of Beijing as the research object,through the analysis of the development process and retail business status of Changsha branch of Bank of Beijing and its community branch,this paper puts forward three major problems: unclear retail business positioning and expansion direction,single product and unreasonable product structure,unstable customer group and unreasonable customer group structure This paper analyzes the reasons for the insufficient innovation ability of products and services and the inadequate customer group management;On this basis,it puts forward the improvement scheme from the aspects of retail business system,product structure and service innovation,customer group management and other aspects,as well as the guarantee measures such as compliance risk control,human resources,assessment and incentive mechanism.This paper hopes to improve the existing problems of the retail business of Changsha Community Branch of Bank of Beijing,improve the fit between the internal control system and business development,improve the internal innovation ability and core competitiveness of the enterprise,and improve the expected effect of system perfection and employee happiness index.The research of this paper has reference value and significance for promoting the sustainable development of retail business of Changsha Community Branch of Bank of Beijing. |
