Research On The Transformation And Development Of FD Bank Retail Business

The financial crisis of 2008 still brings trauma to the world economy.In the United States,the subprime mortgage crisis occurred,leading to the transformation of all major Banks and financial institutions in the United States into conservative.Under the background of global financial system reform,the vigorous development of bank retail has become the mainstream trend of China's commercial Banks.Further liberalization of interest rates,the continuous development of Internet financing and changing market conditions have brought opportunities and challenges to commercial Banks.Because the income of retail business is relatively stable,it has become the first choice for the development of commercial Banks.Based on a series of relevant theories,this paper studies and analyzes the current situation,mainly including reform theory,financial innovation theory,financial risk theory and customer relationship theory.China's current development and financial market problems are to recognize the need to change the retail industry.The process of retail development and reform is then reviewed in terms of its objectives and concepts.Suggestions optimizing the structure of commercial and retail product system,to a bank within the relevant system should be perfected and optimized,improve the service quality and customer satisfaction,and actively to new technology research and development,to strengthen the construction of sales team and improve their professional level,the related organization structure to upgrade and improve,actively establish risk management mechanism,and safeguard measures are put forward.It is hoped that this study can provide new ideas for the development of retail business of commercial Banks.It is hoped that the study in this paper can effectively help and solve the problems existing in the retail business of FD bank,and provide experience and theoretical and practical experience for other commercial Banks to conduct relevant business,so that FD bank can improve its market competitiveness by changing management,production and personnel capacity.