Research On The Construction Of Retail Business Team In Wandu Branch Of MS Bank

In recent years,China's major commercial banks have launched many financial products,which have a significant impact on the investment concept and investment direction of residents.The commercial banks,especially the small and medium commercial banks,have to adjust the management mode and concept.Wandu Branch of MS bank have been opened just sevral years ago,the retail business is just starting,and it is short for the professional staffs or teams.The situation causes the difficulties which has prevented the further development of the retail business.Based on the theory of human resource management,this paper summarizes the research results of the retail team building of commercial banks at home and abroad,analyzes the current status of the retail team in MS bank,and analyzes the main problems in the aspects of target construction,employee recruitment,training,team incentive and so on.And then we put forward some suggestions on WanduBranch of MS Bank from many aspects,including how to build the retail marketing team and establish a reasonable and scientific team building assessment program.In the process of modern banking development,retail industry has become more important in development,and is also one of the biggest business contents.It plays a very important role in the transformation of banking business,innovation of business philosophy and upgrading and innovation of business service and so on.In the new situation of bank development,the transformation of retail banking and the construction of retail business team are of great significance.Retail business is an important direction for the development of the future bank.The construction of retail business team can effectively innovate the way of bank management,expand the scope of the bank business,and then form a good management benefit.Retail business team building and development is an important support for the transformation of retail business,and will also enhance the core competitiveness of banks.The construction of retail team will also greatly enhance the level of integrated banking services.In the course of the study,this paper takes the present situation of the construction of the retail business team of Wandu Branch as a research entry point,comprehensively analyzes the present situation of target construction,the status of recruitment,the status of training,the current situation of motivation,and then summarizes the problems and shortcomings of the bank in the construction of retail business team,such as the goal of team building.Don't adapt to the current business development,team responsibility and division of labor is not clear,team construction is urgent and the team incentive mechanism is imperfect,first,it puts forward the construction goal of the retail business team,it is solved from three aspects: how to set up the principles of team training,how to set up a professional retail team,hoe to accelerate the transformation of the retail team;Second,it puts forward optimization strategy of team recruitment channel,it papered from four aspects: design and management of the retail team,establish a sound recruitment system,clear goals and directions of recruitment,and puts forward optimization strategy of team recruitment channel;And then put forward training system optimization plan of the retail team;Last,it papered three innovation points: propose optimization incentive mechanism,perfect the department staff assessment,expanel channels of promotion.