A Study On The Management Of Retail Credit Business Of A Rural Commercial Bank

Retail credit business is the main component and major revenue growth of assets business in the bank,and it has increasing important in the business of bank,on one hand,due to the increasing intensity of financial disintermediation,and influenced by internet,the financing channel in the society becomes diversity,and the development of traditional business in the bank is confronted with the challenge of transformation;while on the other hand,with the collaborative effects of rural revitalization strategy and great promotion of city construction,and other factors,the consumption of rural and urban citizens is improving consistently,which derives some demands for credit,so that the business of retail credit ushers new development opportunity.With the strategic target of creating big retail bank,the large commercial banks with the four national major banks and PSBC as representatives,they return to the financial markets in county regions.Under this background,the development of retail credit in rural commercial bank,which was the main force of finance in county regions previously,encountered bottleneck.In this thesis,it hopes to find the problems of A rural commercial bank by researching its operation and management status of retail credit business,put forward advice and solutions for optimization,so that it can further provide references for the development of retail credit business in other similar rural commercial banks.In this thesis,by taking A rural commercial bank as research object,with the guidance of theories of enterprise operation and management,and bank management,on the basis of operation data information of A rural commercial bank,by means of literature research method,field investigation method,case research method,and data analysis method,it has dialysis on the retail credit business in A rural commercial bank.Then,it can find that there are the problems of imbalance for the business development,space for improvement in operation benefit,poor quality of assets,and low coverage for the operation of retail credit business in A rural commercial bank.At the same time,it does not have clear target on the strategic development in management,insufficient conduction of operation concept,further optimization required on the organization structure,incomplete talent team construction,unsound salary incentive mechanism,backward product research and development to the demand of development,weak basis of science and technology endowment,low efficiency of internal operation system,and relatively lagging channel construction,and other problems.There is no doubt that the adaption to the trend of financial reform and development,and timely adjustment on the management orientation and strategy for retail credit business operation are not only the requirements to improve earning capacity and core competitiveness,but also the essential methods for financial disintermediation and horizontal competition.Therefore,combining the demands of financial development,with reference to the demands of horizontal competition,guided by the problems of operation and management,taking sustainable sound development as long-term objective,and on the basis of actual management status of A rural commercial bank,it puts forward the advice on the operation and management of retail commercial business in A rural commercial bank,which are reconstructing the strategy of retail credit business,creating service marketing standardization,perfecting product service system,strengthening team construction,and enhancing omni-channel construction and delicacy management of whole process of credit,and etc.