Research On Retail Business Development Strategy Of Jinan Branch Of ZS Bank

In recent years,with the acceleration of economic globalization,the non intermediation of financial market and the acceleration of interest rate commercialization,great changes have taken place in China’s financial market.The vigorous development of Internet finance has made traditional banks feel unprecedented pressure,and traditional banks are looking for business transformation.The scale of national wealth is increasing day by day,and the financial concept has also changed completely.High equity assets have become the asset type pursued by individual customers.Some commercial banks have adjusted their strategic centers to the retail business sector.In this context,Jinan Branch of ZS bank also firmly grasped the historical opportunity and took the lead in retail business.After years of precipitation,it gradually achieved a leading position in the local market.In recent years,many domestic commercial banks have also focused on the cake of retail business,and have completed investment and layout in this field.At the same time,the rapid rise of Internet finance has had a great impact on commercial banks in the field of payment and supervision and consumer financial markets.Under the pressure of multiple competition,what kind of development strategy should ZS Bank Jinan Branch adopt,and how to maintain the leading position in the retail business industry while maintaining the rapid development of scale and efficiency,are the urgent problems to be solved and the key content of this paper.Based on the research object of the Jinan Branch of ZS bank,starting with the theory of retail business strategic management,this paper combs the relevant literature at home and abroad.Through literature research,this paper grasps the development history of the retail industry of banks at home and abroad,reveals the development status and pain points of the retail industry of Jinan Branch of ZS bank,and uses the SWOT analysis method to analyze the internal and external opportunities and challenges faced by the branch in the development of retail industry,From the macro level,this paper analyzes the macro and micro situation faced by China’s commercial banks in the process of developing retail business,further understands the current development of retail business of ZS Bank Jinan Branch,points out the strategic design that the branch should make to develop retail business,and puts forward the so strategy based on making use of its own advantages and external opportunities,so as to give full play to its strengths The strategic implementation plan supplemented by St strategy to avoid or eliminate threats to the greatest extent proposes that Jinan Branch of ZS bank will develop retail business and take building "the best customer experience bank in the region" as the long-term strategic development goal.Take technology empowerment,market focus and differentiated product allocation as strategic priorities to help the company develop.At the end of the article,corresponding safeguard measures are formulated for the implementation of the strategy to further promote the smooth implementation of the retail strategy.The research of this paper can provide a clear strategic thinking for the development of the branch’s retail business,and can also play a certain reference and reference significance for the development of the retail business of similar commercial banks.