Research On Performance Improvement Of Customer Managers Of Retail Credit In Postal Savings Bank Of China Z Branch

With the gradual stabilization of banking financial institutions in the competition for corporate credit customers,under the guidance of the policy of "mass entrepreneurship,mass innovation" and encouraging consumption,the demand of retail customers has gradually been stimulated,the credit information system has gradually improved,and the state-owned banks have begun to exert their efforts in retail business strategy,while the pressure of the development of Postal Savings Bank of China Z Branch business with retail credit as its focus has gradually increased.Based on Postal Savings Bank of China Z Branch,this paper studies the performance improvement of customer managers of retail credit.On the basis of the existing credit management research,it analyses the current development status of retail credit business of Postal Savings Bank of China Z Branch.Through PEST analysis,this paper explores the direction and opportunities for the development of retail credit business,and finds that under the background of tightening banking supervision,the policy of agriculture,countryside and farmers has been good for a long time and the consumer credit market has been growing continuously,which points out the direction for the development of retail credit business.On the other hand,with the application of big data and cloud computing,Internet finance has promoted a new form of financial services to the development of traditional banks.The exhibition presents new challenges.Through the analysis of the advantages and disadvantages of Postal Savings Bank of China Z Branch,this paper points out the disadvantages of Postal Savings Bank of China Z Branch,such as relatively low staff efficiency,lack of grassroots management team,and insufficient application of financial science and technology.This paper further designs a questionnaire to systematically investigate the performance of customer managers of retail credit in postal savings bank from six aspects: working status,product experience,salary feedback,rules and regulations,colleague relationship,training and promotion,in order to fully,objectively and thoroughly understand the status quo of customer manager's performance in Postal Savings Bank of China Z Branch.Through descriptive and differential analysis of twenty-five secondary indicators,it is found that the key problems affecting performance improvement are greater intensity of work,insufficient productcompetitiveness,uneven quality of personnel,and imperfect incentive policies.Finally,based on the above analysis,eight strategies or suggestions are put forward from the organizational level and employee level,including compliance management,active integration of products,strengthening investment in science and technology,improving internal motivation,making up for shortcomings in human resources,improving incentives and strengthening the quality of branch directors.