A Strategic Research On The Development Of Rural Commercial Bank's Retail Business

With the development of China’s economy,people’s income is increasing,and the demand for financial industry is increasing.China’s banking industry is developing rapidly,with more and more banks,and the competition in the retail industry is becoming more and more fierce.Retailing plays a more and more important role in the development strategy of banks.A rural commercial bank Limited by Share Ltd approved by Chinese Banking Regulatory Commission was established in 2015,registered 02 on Sept.12 in the A City Administration for Industry and commerce.The business scope includes public deposits;issuance of short-term,medium-term and long-term loans for domestic settlement;.A rural commercial bank self-sufficiency in A city development,efforts to expand their the scope of business,and strive to shop throughout the province each city,perfect service.In business development,in addition to the traditional deposits,loans,to financial innovation,enhance the competitiveness of the banks themselves.So the development of retail business is A rural commercial bank will follow the market However,the trend is also the inevitable demand for continuous development of their own.In this paper,A rural commercial bank retail business development mode as the main line,the structure can be divided into four parts:the first chapter is the introduction,mainly introduces the research background,the research purpose,research significance and research methods;the second chapter is the development status of A rural commercial bank and retail business,first describe the general situation of A rural commercial bank,and then describes the A rural commercial bank retail business development situation and existing problems.The third chapter,through SWOT analysis,analysis the macro environment of the retail business Changchun rural commercial bank,industry environment and their own strengths,weaknesses,opportunities and threats,and comprehensive consideration of all aspects Factors restricting the A rural commercial bank retail business development;the fourth chapter,aiming at the advantages and constraints of A rural commercial bank,make the appropriate model of development.The purpose of this paper is to analyze the advantages and disadvantages of A rural commercial bank,the development mode of retail business to adapt to the actual,make the A rural commercial bank in an invincible position in the fierce competition.