Research Of Guangfa Bevelopment Bank Retail Business Development Strategy

With the continuous development of the global economy, the banking industry is playing an increasingly important role. But because the bank loan interest income lower, trade increased competition and so on, management changes in the environment, commercial Banks urgent need to adjust the business structure, seek new profit growth point. As one of important business pillars of commercial Banks, retail business in the commercial bank value creation ability obtained a rapid ascension, For risk relative scattered, marketing costs lower growth, the growth potential well, and many other advantages, the Banks have the retail business as a strategic transition point.The importance of retail business in domestic banking sector has formed in consensus, it is imperative for Banks to deeply develop retail business, But how to develop retail banking sector for Banks is a new topic and new problems, so to Banks for retail business to expand the research is also essential. Domestic market just start, Always with public business supply of Guangfa bank keen insight into the trend of the development of the financial industry home and abroad, embarking on research and development of individual business development idea. Based on this, through the analysis judgment commercial Banks retail business of basic present situation, the paper explores in the open market environment of commercial bank retail business, the development stage development thought and effective path, Combined with the actual situation of Guangfa bank analyses the bank retail business development of competitive advantage, and competitive disadvantage, market opportunity and external threat, and provide some feasible Suggestions and countermeasures to the transformation of development of retail business, for Guangfa Development Bank to the development of retail business benefit.Full text is divided into five parts, the first part expounded commercial Banks retail business, the back ground and significance, introduces domestic and internat-ional commercial retail banking business development status and the research content and frame structure. The second part elaborates retail banking business, introduces the definition and classification of commercial bank retail business related theory research, including expected revenue theory, super money supply theory, commercial bank marketing theory and Customer Management theory. The third part of commercial banks of the need for developing retail banking and the feasibility of the analysis of china, elaborated on China's commercial Banks retail business development status and the challenges. Analyzes foreign commercial bank retail business, the development situation of foreign commercial Banks, summarizes the successful experience of retail business development, introduces the Guangfa bank retail banking business development present situation. The fourth part of Guangfa development bank retail business, the SWOT analysis, by evaluating negotiable bank superiority, inferiority, competition in the market opportunities and threats, looking for make suitable Guangfa bank retail business development strategy. The fifth part in the development of the retail business problems; on the second, third and fourth part of the basis of analyzing from the organizational structure and strategy and retail business cooperation on competition policy and private banks strategy, the node change in strategy and establish a powerful platform and resources to support innovative strategies, and differentiation strategy for the proposal.