The Research On Retail Business Development Strategy Of The Postal Savings Bank Of China Jilin Branch

The transformation of the postal savings bank of China after 10 years development,completed on September 28,2016 successfully listed on the stock exchange of Hong Kong main board is very successful,strong in international capital market.But starting from the reality,the postal savings bank of China is still faced with by the transformation of savings to commercial Banks,double duty in transformation from a traditional to a modern bank,also faces a major volumes and the promotion of the double pressure of quality benefit.For the post office bank of jilin province branch,retail financial marketing for selling diversified,superposition of products and services provides a very broad platform.Retail credit,credit CARDS,all kinds of information technology products,to provide customers with more diversified services,multi-angle,but special trajectories,caused the current customer hold products is relatively single,realistic problems such as network cross-selling ability is weak.This article through to the post office bank retail business,analysis of the current situation of jilin province branch to find out the existing problems and development strategy and implementation safeguard measures were put forward.In the first chapter expounds the research background and significance of this article,combining with the research direction of the research content is determined.The second chapter of the postal savings bank in jilin province branch retail business development present situation and existing problems of carried on the thorough analysis,five analysis model,PEST analysis model and SWOT analysis model theory,for the existing problems,reasons,the environment faced by the in-depth analysis.Summarizes the post office bank retail business,liabilities business sector development,asset business channel construction is weak,the intermediate business innovation is insufficient,lack of professional talents,and from historical factors,the retail channel construction,product design and human resource factors analyzed the formation reason of the problem.In the third chapter first five analysis model and PEST analysis model to the post office bank of jilin province branch retail business external environment analysis,and then through the internal organization structure,personnel,construction situation and situation of distribution network and business development dynamic multiple Angle to analyze the internal environment,finally based on the SWOT analysis matrix on the combination of strategic analysis.The last chapter combined with external and internal environment analysis,according to the post office bank retail business advantages and problems of jilin province branch,industry,market opportunities,puts forward the corresponding strategic choice and strategic implementation safeguard.Which determines the post office bank retail business development in jilin province branch of short-term and long-term goals,and be in charge of retail business,the retail assets business and intermediary business specific strategic measures are put forward.Finally from the implementation of organizational structure reform,strengthen human resources support,and increase investment in science and technology to do a good job of supporting four aspects,to determine the retail business development strategy in jilin province branch post office bank safeguards.Through the analysis research,hope to be able to formulate suitable for the postal savings bank of China retail business development strategy of jilin province branch,add motivation for the sustainable development of the retail business,thus effectively promoting the postal savings bank of China branch of jilin province onto a new level.