Study On The Transformation Strategy Of RF Rural Commercial Bank Retail Business

With the deepening of financial liberalization and financial innovation,the proportion of retail business in commercial banks is growing,and gradually become the main source of profit for many commercial banks.But at present our country commercial bank retail business is in the initial stage of development,both from the theoretical understanding and practical operation,there are many deficiencies.The development of bank retail business is not only the result of financial economy in China’s personal economic field,but also the objective needs of the self survival and self-development of China’s commercial banks.In the current banking industry increasingly fierce competition situation,from the perspective of economics,the specific rules follow the development of retail banking,related to the theoretical system of the retail banking business,through the literature research and review,through the analysis of the status of international financial situation and the local economic development trend of domestic and traditional business shrink,expounds the necessity of RF the agricultural commercial retail business transformation..Based on the theoretical system of the retail banking business for analyzing,combined with the characteristics of agricultural firms own RF.According to the characteristics of RF rural commercial bank,the RF rural commercial bank retail business transformation of in-depth research and analysis,put forward the guiding ideology,basic principles and specific strategies of RF rural commercial bank business transformation,the implementation and protection of retail business transformation for the thinking and design,research policy launched slightly from the organizational structure,business process,and the analysis and research to improve the efficiency,risk prevention and control,scientific and technological innovation,optimize the talent incentive mechanism,develop business development strategy for retail RF agricultural firms,as well as some domestic commercial retail business transformation for providing experience and methods,and in the later work in the process of continuous improvement and complement,timely and effective,of course because of the author’s subjective and objective reasons,there must be some deficiencies,we will see in the future.