Retail Business Marketing Strategy Research Of F Bank DZ Branch

In the business activities of many commercial Banks,retail business has become one of the most stable and important businesses for commercial Banks to develop and gain benefits.Retail business has advantages that other businesses do not have: stable and high returns and low risks.Therefore,the formulation of retail marketing strategy for the development of commercial Banks is crucial,and has always played an important role.At present,the world economy is relatively sluggish,the financial environment is complex and changeable,and the competition among domestic commercial Banks is very fierce.On the other hand,as residents have more and more financial savings,their awareness of relevant financial management is constantly improved.Therefore,relevant businesses of Banks need to meet the current development situation on the basis of individual needs.The study of retail marketing strategy has become the consensus of commercial Banks.Through the analysis and comparison of foreign commercial Banks,the retail business of domestic commercial Banks is relatively late,many of the results of the theory is not mature,many of the results of the experience has not been applied in practice,so there is no complete system.The common challenges facing the banking industry are consistency of retail products and services,lack of innovation and lack of understanding of sales services.As a city commercial bank,F bank faces the same problem.Based on the current macroeconomic and financial situation,the competition between b.commercial Banks is intensifying.To F bank as a case study analysis of DZ branch,retail and marketing theory,according to the national commercial bank to the bank of F,DZ retail business progress of analysis,to understand the status quo,at the same time,the bank and branch are analyzed in the retail business to carry out the problems existing in the process,in the development of retail banking,retail banking is faced with the consistency of products and services,the pricing mechanism is incomplete and lack of rational planning,market position is not clear,the management network,many branches and other similar to commercial bank business outlets,advantage of eight major problems such as insufficient.The market is still a matter of strengthening the marketing and promotion system,and the business cost is relatively high.Local brand sales units have obvious geographical advantages,which need to be improved.On the basis of analyzing the problems,the paper puts forwardsome policy Suggestions on strengthening product innovation,and puts forward some Suggestions on marketing strategy,innovation management system,sales channel and product marketing.The company then analyzed the problems associated with a branch of a retail bank and put in place a series of safeguards.The market environment of retail banking and retail business was emphatically analyzed,differentiated service strategy was formulated,flexible pricing mechanism was established,distribution channels were improved,promotion methods were differentiated,cost was optimized,geographical position of sales points was strengthened,brand promotion and specific implementation strategies were developed.This paper aims to help F bank DZ branch develop more complete,scientific and reasonable marketing strategies and improve the basic skills of F bank DZ through studying the marketing strategies of F bank DZ branch.