China's Commercial Banks, Retail Banking Business Development Discussed

Around 21st century, retail banking status and function in the commercial bank rise constantly. This text has described the banking current situation and existing problem and done analysis to the commercial bank of our country while expecting world retails banking development trend. China Merchants Bank is the commercial bank doing well in retailing the banking at home, this text passes the investigation thoroughly of China Merchants Bank, its development experience of summary, combing world and retail the banking development trend, put forward one's own view and suggestion, hoping to cast a brick to attract jade, describe the development of the banking to the commercial bank of our country beneficially.The research approach of this text is mainly qualitative analysis and relatively studied, the one that complemented paid attention to the combination of the theory and practice standardized the combination analyzed in analysis and real example with data comparing with and case analysis.This text is divided into three parts:Part one, this text has given the brief introduction to the meaning, business content and characteristic which retailed the banking, have pointed out that retails the important position in the commercial banking frame of banking. It includes retailing the business of the assets, retailing the business in debt and retailing three major parts of intermediate business. To the banking of selling in batches, it has quantity such characteristics as huge, business dispersing, type diversification, etc.. Since middle and later periods, the importance of retailing the banking in the world has been improved constantly in the 1990s, in the source of revenue of the commercial bank, the contribution rate of retailing the banking is higher and higher.Part two is from such several respects as products innovation, channel, informationization, competition subject, etc., look forward to the development trend which world retails the banking:First, the finance innovates and is generally paid attention to, the new products emerge in an endless stream;Second, the pluralism day by day of distribution channel, this displays three respects prevail in swift and violent development of Internet's distribution channel, traditional branch site giving a new lease of life to, cross-selling;Third, on the informationization and foundation subdivided, pay attention to the relation to the customer to manage;Fourth, retail the pluralism day by day of main body of banking competition;Fifth, the management which retails the banking internationalizes day by day.The retail trade is developed rapidly in the commercial banks of western countries, this is the reason why development demands of interior business and external management environment change two respects in recent years. There are the following several points mainly: International wholesale business profit drop constantly, retailing demand market strengthen constantly, whom of various countries finance control relax and whom finance of various countries control relax.Part three has analyzed our country's rapid the development of the reason that the commercial bank retailing the banking, retail the current situation of the development of banking and existing problem to describe to the commercial bank of our country. Because of the market competitiation environment, customer's demand environment, financial supervision environment is changing constantly, in addition the policy environment is becoming sounder, meanwhile, the tradition sells the banking in batches to shrink constantly, domestic commercial banks begin to make the transition in strategy one after another, transfer the business centre to the banking of retailing. China retailed the banking to realize the historical leap fast development in short several years, but overall, compared with developed country, still there is no small disparity. In the following aspects, some questions exist: First, serve customer's relation management of sum and lag behind; Second, the marketing strategy is not distinct; Third, the product variety is limited, the function is single; Fourth, the construction pace of the channel lags behind; Fifth, the human resources are supported insufficiently.