The Research Of The Transformation For The Retail Business In State-owned Commercial Bank

In recent years,along with the sustainable development of our economy and society,commercial banks and their retail business has been developing rapidly,but due to an increasingly competitive market,coupled with the impact of the financial disintermediation and other new economy,retail and commercial banking business of their own development Some management issues,the current urgent need to achieve greater development performance through business transformation.Retail business with its low-risk,high-return characteristics,increasingly favored by commercial banks,major commercial banks gradually realize that development is the expansion of the retail business is the fundamental source of profit.The paper attempts from the retail banking strategic position,operating environment,this paper use the financial deepening theory,differentiation theory retail businesses such as basic theory,using the method of literature review and data,combined with case analysis,to the transformation of our country commercial bank retail business and its problems are studied.Found commercial Banks still exist "homogeneity" retail business development,process operation "departmentalization," product innovation "passive",the problem such as performance appraisal "deviation",put forward the need to be under the overall design of the country's financial innovation strategy,closely integrated to the development strategy of commercial Banks,strengthen the consciousness of opportunity,open thinking,innovative ability,management thinking and overall concept,promote the transformation of traditional retail business to save resources,emerging retail business development from quantitative change to qualitative change transformation,seed retail business to high localization transformation,promote the development of the retail supply chain financial business innovation.Finally,with the Agricultural Bank of China branch of X as an example,analyzes the X branch retail business situation and environment transformation,proposed X branch retail business transformation strategy and transformation system support measures,and the X-branch retail business development of guidance significance,and of other banks also have some inspiration.