The Study Of Competitive Strategy Of Retail Banking Business For W Bank Of RongCheng

Based on the example of Rongcheng's behavior of W Bank,this paper uses a series of analytical methods,aiming at the present situation and existing problems of the development of the retail banking business of W Bank,combines the characteristics of Rongcheng County and the retail banking business of W Branch according to local conditions,and probes into the combination competition strategy of the retail banking business in depth and shallowly,hoping to improve the retail banking business of Rongcheng Bank in County market.The competitiveness and expansion of the market,a comprehensive analysis of the advantages and opportunities of commercial banks' retail banking business development,promote the continuous transformation and upgrading of commercial banks' retail banking business.Firstly,it summarizes the development process of retail banking and shows the development trend of retail banking business.Chapter 2 summarizes the development process of retail banking business at home and abroad,makes a detailed analysis and summary of the characteristics of retail business at home and abroad,and makes a comparative study of the development trend of retail banking business at home and abroad,and comprehensively constructs the development environment,possible trend and development direction of the retail banking business of Rongcheng Bank of W Bank.Branches have laid a theoretical foundation for innovative research on retail banking business.Secondly,it makes a comprehensive analysis of the development of retail banking business of Rongcheng Bank of W Bank.Chapter 3 of this paper studies the development of Rongcheng Bank's retail banking business in general,and makes an in-depth analysis of the competitive environment of Rongcheng Bank's retail banking business.First,through in-depth excavation and analysis of the key indicators of the retail banking business in Rongcheng County,the monopoly degree of the retail banking business in Rongcheng County is quantified intuitively.At the same time,through the analysis of the difference of the competition situation,the competition situation of the financial industry in Rongcheng County is comprehensively reflected.Secondly,through the analysis of the barrier mechanism of the financial industry to illustrate the current situation that potential competitors are more difficult to enter.Thirdly,through horizontal substitution and vertical substitution,it illustrates the situation faced by the Rongcheng Bank of W,a member of commercial banks.Fourthly,it analyses the supplier's situation,and expounds the competitive situation faced by W Bank as a product supplier from two aspects: the comparison of the same industry outlets and the comparison of product technology.Fifthly,the situation of purchasers of products and services faced by W Bank.This paper cites the internal survey report to show the diversity of customer selection and the complexity and variability of the market faced by W Bank's Rongcheng Branch.Through the comprehensive analysis and research,the market environment in which Rongcheng Bank of W carries out retail banking business is defined,which provides support for further in-depth analysis.Thirdly,SWOT analysis method is introduced to analyze the development of retail banking business of Rongcheng Bank of W from its own strengths,weaknesses,external opportunities and threats.The above analysis and judgment is based on the conditions and limitations of the Rongcheng Bank of W Bank,and on the realization of its strategic positioning and competitive purpose in the retail banking market,thus providing relevant reference for the Rongcheng Bank of W Bank to enhance its competitive strategy as a whole.Fourthly,according to the above analysis and judgment on the current situation and situation of Rongcheng Bank of W Bank in retail banking business,the paper finally introduces Rongcheng Bank of W Bank's own strategy to discuss,and through predicting the effect of its related measures on the development of Rongcheng Bank's retail banking business and ability,evaluates the effectiveness of relevant strategies.In the process of analysis and evaluation,this paper pays special attention to the discussion of decisive,basic and forward-looking measures based on the Rongcheng retail banking business of W Bank.With long-term vision and ideas,this paper grasps and analyses the problems in the aspects of retail banking business development concepts,organizational structure,business model innovation and product and service development,in order to have practical significance for the development of Rongcheng retail banking business of W Bank.Guiding significance.At the end,this paper summarizes and refines the relevant conclusions for the development of retail business of Rongcheng Bank of W.Based on the SWOT analysis above,it draws the strategy combination,and combines with the strategy of "Creating Innovative Retail Bank" of W Bank.The conclusion mainly includes renewing the concept of retail business development,strengthening financial innovation,improving the structure of retail banking business and innovating the marketing mode of retail business.Finally,with the help of the explanation of safeguard measures,the paper expounds its own views on the establishment of a robust wind control system for branch offices.