The Influence Of Interest Rate Marketization Of Commercial Banks And Retail Business And Strategy Research, In Order To Post Office Bank Of Guangdong Province As An Example

This paper first elaborated the research background, significance, purpose, content and methods, review the related literature. Then through the research of interest rate determination theory of interest rate, the market, from the perspective of theory analysis of interest rate marketization brings to the commercial bank retail business challenges and opportunities, and through the analysis of Guangdong Postal Savings Bank Retail business development present situation, focuses on the interest rate marketization practical impact on Guangdong postal savings bank retail business development in various aspects, combined with SWOT analysis, put forward the retail business of Guangdong Postal Savings Bank of coping strategies. Specifically, this paper mainly including the internal:The first part, through the interest rate market development and the development of retail business necessity describes the research background, significance, purpose and content of proposed method for the study of this subject, the comprehensive elaboration and the relevant documents.The second part, in view of the interest rate market analysis theory for retail banking business impact. Firstly, the marketization of interest rate, the interest rate decision theory of retail business overview, introduction. Then from the interest rate market for retail business agent bank’s opportunities and challenges from the two aspects of analysis.The third part, elaborated the interest rate marketization of real influence the retail business of Guangdong Postal Savings bank. Through the introduction and analysis of the retail business development status of Guangdong Postal Savings Bank, from management, products and services, customer behavior, profitability analysis to practical effect of Guangdong Postal Savings bank.The fourth part, SWOT analysis for the retail business of Guangdong Postal Savings bank.The fifth part, elaborated the Guangdong Postal Savings Bank Retail business with the interest rate marketization strategy. By combining the SWOT analysis, the postal savings bank is influenced by the marketization of interest rate and other factors, put forward its retail business strategies.The sixth part, proposes the conclusion and research prospects.