| Bank retail business,each bank's statistical scope is inconsistent,taking GF Bank as an example,refers to all financial services provided by commercial banks for individuals,households,settlement,wealth management,loans,investment,etc.The above business can be divided into liability business,asset business and intermediary business for banks.Among them,the liability business includes credit card deposits,demand deposits,time deposits,etc.;the asset business mainly refers to the customer's credit,including auto loans,housing loans,credit card financing,credit card overdraft,etc.;intermediary business refers to the collection of customer agents,Businesses that charge fees during payment or other entrusted matters,such as personal trusts,personal foreign exchange transactions,personal leases,etc.On the one hand,with the development of financial disintermediation and interest rate liberalization,for commercial banks,obtaining low-cost deposits means guaranteeing the scale of loans and profit margins;on the other hand,China has been fast since reform and development.Development,accumulated a large number of middle class,they have the need to maintain and increase the value of their own assets,the bank retail business has a large room for development;finally,since the2008 financial crisis,especially since the 2018 Sino-US trade war,the company category Customers have been at a low point of development,all kinds of non-performing loans are frequent,and there is a shortage of assets on the public credit.Therefore,all banks have strengthened their emphasis on retail banking,but various commercial banks have also developed their retail business.Encountered various problems.This paper analyzes the current situation of retail business of GF Bank ZZ Branch by analyzing the GF Bank ZZ Branch as the research object and combining the retail business of various joint-stock banks in Henan Province,and finds out the existing problems(such as low product competitiveness and serious brain drain).,weak shareholder base,low efficiency of business processes,physical network needs to be optimized,etc.,and analysis of causes(such as special historical evolution andshareholding structure,unestablished strategic position of retail business,failure of performance management,business system to be optimized,etc.)Finally,combined with the development enlightenment of domestic and foreign banking retail business,put forward suggestions for the development of retail business(such as vigorously promoting the cooperation of bancassurance,building a process bank,strengthening the construction of physical outlets,establishing a scientific performance appraisal system,etc.),for GF Bank ZZ Branch The development of the retail business provides practical development advice and guidance. |
