Systematic Analyses & Strategies On The Development Of Retail Banking Of China

Deregulation within the financial service industries and the widespread acceptance of new technologies is increasing competition in the finance marketplace. In this thesis, the author expounds the issue of the development of retail banking of China. Retail banking is basic composition of commercial banking. At present, retail banking has been the important business and main source of profits of commercial banks in western developed countries. China's finance system's developing well brings about great challenges to retail banks of China. Now retail banks of China are at the beginning of the period of development. So it is necessary to systematically analyze and study the issue of the development of retail banking of China.This thesis includes five parts. Chapter one sets forth the connotation of retail banking, the differences among retail banking, personal banking and private banking, and the characteristics of retail banking. Chapter two first analyzes the reasons for commercial banks of China to develop retail banking. And then the author expounds the conditions for China's developing retail banking. Chapter three analyzes the situation of the asset business, the middleman business and the liability business of the retail banks of China. Chapter four dissects the problems and obstacles that retail banks of China are faced with. Based on the analyses of the problems and obstacles that retail banks of China are faced with, the author puts forward the strategy on the development of retail banking of China in chapter five.In a word, commercial banks of China must try their best to develop retail banking or they will fail in competition.