A Study On Retail Credit Business Development Strategy Of China Merchants Bank Nanning Branch

Chinese economy is in a downward phase,the speed of economic growth is slowed,the economic structure is in transition,and the financial market environment is getting worse and worse.Overall,the developing environment of domestic commercial banks is not optimistic.By the way,the financial disintermediation trend is obvious,the interest rate marketization basically completes,and the Internet finance is developing rapidly which gives challenges to the future development of bank.Domestic commercial banks are seeking new profit growth point and pay more and more attention to the development of retail business.Retail credit business as the focus of the retail business,is in a period of rapid development and has become an important part of the competition among domestic commercial banks.Firstly,the paper studies the retail credit business development strategy of Nanning branch of China Merchants Bank to expand the scale of China Merchants Bank Nanning branch retail credit business and improve the level of profitability.Secondly,studying Nanning branch of China Merchants Bank can provide a reference for other banks in the development of retail credit business and further enhance the level of development in China retail credit business.The paper studies the retail credit business scale,product structure,organization management and the current situation of the development of state of retail credit business of Nanning branch of China Merchants Bank,and finds out the problems existed in the development of Nanning branch of China Merchants Bank retail credit business,including the development strategy is not perfect,the organizational structure needs to be improved,the process needs to be optimized,the appraisal scheme is unreasonable,the retail credit personnel fluidity is greater and professional capacity is not enough.Through the macro and the internal environment analysis of retail credit business of the Nanning branch of China Merchants Bank,the paper sums up the advantages,disadvantages,opportunities and threats of retail credit business of Nanning branch of China Merchants Bank,and then puts forward development strategy.At last the paper gives some supporting measures in five aspects:organizational structure,business process,performance appraisal,team construction,customer resources.