Research On The Impact Of Retail Banking Business On Bank Operating Performance

In recent years,the profit margin of traditional banking has become smaller,and banks have sought new profit points.This has also laid a foundation for banks to develop retail banking business.This article first collects relevant scholars' research on retail banking business.Overall,experts and professors have a positive attitude towards the development of retail banking business.Domestic scholars study the retail banking business more macroscopically,and empirical research and comparative analysis are less..The purpose of this paper's research is to explore the development of retail banking business in commercial banks in recent years,and to explore whether the development of retail banking business of commercial banks can enhance business under the increasingly fierce competition environment in the increasingly stringent regulatory environment and financial markets.The bank's performance ultimately achieves service profit growth to increase its conversion efficiency.Domestic scholars research retail banking business,mainly in the retail banking business development model,business innovation and other places,more macro,the innovation of this article is to use the DEA model,a detailed analysis of the retail banking business of 8 sample banks to their operating efficiency The degree of influence on the commercial bank put forward specific improvements.This article first identifies the concept of retail banking,then describes the classification of retail banking and the general development of China's retail industry.At the same time,it uses mechanism analysis,from the perspective of economies of scale,customer loyalty,and financial innovation.Analysis of the development of retail banking business has greatly helped improve the business performance of commercial banks.Then it takes 8 sample banks as the research object,collects 4 state-owned banks and 4 joint-stock banks,and uses the DEA model to analyze 8 banks.Comparing the joint-stock banks with the state-owned banks,comparing where the banks of the two systems have differences,and then improving the efficiency of the input indicators and analyzing them.Finally,based on the analysis of empirical results,combining the theoretical conclusions,and proposing Related policy recommendations.Through empirical analysis of eight banks,this paper concludes that banks' ability to develop retail banking services has been improving.Retail banking services have had a positive effect on bank performance,played a certain role,and made certain performance for bank performance.At the same time,it also put forward relevant countermeasures and suggestions on the retail banking deposit and loan business,the operating expenses of the retail banking business and the scale of the bank's own assets.