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本篇paper代写- Commercial bank retail business讨论了商业银行的零售业务。商业银行零售业务的发展是随着市场经济的发展而发展起来的，并且受时代的变化而变化，因此在新时期要推动商业银行零售业务的发展必须要求银行能够转变过去的发展观念，树立正确的市场经济发展理念，从市场经济的角度出发，重视服务和产品的市场化，从市场形势和市场需求进行服务号和产品的开发，从而推动商业银行零售业务以及商业银行自身的长远发展。本篇paper代写由51due代写平台整理，供大家参考阅读。

With the continuous development of modern economy, personal business is retail business gradually become commercial Banks focus on the development of business, the commercial Banks to improve the position in the market competition and realize the better development of commercial Banks is of great significance. Of course, in order to realize the development of the retail business of commercial bank must require commercial Banks to change the past development concept and mode, however, the present development of China's commercial Banks, commercial Banks clear on this point there are many problems, need special attention.

Because of the nature of state-owned enterprises and the special status of commercial Banks in the past, the development concept of commercial Banks is backward, which is the important reason to restrict the development of retail business of commercial Banks. Retail business is with thriving modern market economy, the more lies in modern market economy system and modern marketing concept, therefore require commercial Banks to implement the marketing concept and development idea of innovation. But from the perspective of the status quo of development of commercial Banks, commercial Banks remain the traditional concept of development, with the development of the model is given priority to with the past planned economy mode, lead to the development of retail business is difficult to keep up with the pace of The Times development, the marketing personnel consciousness is weak, the marketing ability to drop, some disadvantages to the bank's retail business development.

To do well in marketing, commercial Banks can develop more products that meet the needs of customers from the needs of customers. The development of retail business more requires Banks to have more customers, and these customers are market segmentation, such ability can according to different customer groups and provide different services and products. But from the perspective of commercial bank's actual marketing situation of the large number of customers of commercial bank, but scattered, plus the bank not to segment, and therefore no segments based on customer group and design different services and products, limiting the development of the retail business of commercial Banks.

With the continuous development of the modern market economy, the market competition pressure of commercial Banks is increasing, and the dominant position in the market gradually declines. In this case, to ensure the development of the retail business of commercial Banks, Banks must be required to make innovations in services and products, and realize the diversification and diversification of services and products. But the actual situation of commercial bank retail business development, by contrast, fewer types of services and products with relatively fixed, innovative consciousness and ability are grossly inadequate, resulting in serious homogeneity phenomenon, is not conducive to promote the development of the advantages of commercial Banks.

The development of retail business requires commercial Banks to start from a variety of channels to help expand the retail business. But from the current our country commercial bank retail business development channels of commercial Banks to use most of the marketing channel for hall mode, this mode of retail marketing is relatively passive, can only rely on simple marketing and active visit customers, and to promote the development of retail business is very bad. In addition, as the network of information technology, more and more Banks and financial institutions to choose implements the network marketing, compared these financial institutions, commercial Banks at present marketing model obviously do more harm than good, so the development of retail business is restricted by a certain.

The development of the retail business of commercial bank is developed, with the development of market economy and the changing times, so in the new era to promote the development of the retail business of commercial bank must require Banks to change the past development ideas, to comply with the time development the new idea and marketing mode to realize the development of retail business, promote the better development of the commercial Banks. Specifically, commercial Banks should change the past planned economy development idea, pay attention to market marketing idea in the retail business development, the application of attach importance to the different needs of customers in the process of marketing, try to provide the customers with high quality and good services and products. In addition, commercial Banks also need to set up the correct concept of market economy development, from the perspective of market economy, attaches great importance to the service and product market, from the market situation and market demand for clothing

The development of the retail business of commercial bank requires Banks to confirm the market and customer demand for services and products, and to do this first requires the understanding of the commercial Banks to do market research work, to go deep into the market, fully understand the commercial bank customer and potential customer demand for services and products. Although the retail customers of commercial Banks is more, but because the bank said in the degree of customer demand is insufficient in the past, so does not pay attention to the importance of market segmentation and Banks cannot segment with the customers, in the process of development of natural not according to the customer segmentation and the difference between the demand for services, products targeted research and development of products and services. At present, from this point of view, therefore, commercial Banks need to do is change the behavior, the retail business development of emphasis on market research, and through market research data research and support, to customers and potential customers in a commercial bank market segmentation, and finally on the basis of segmentation to classify the needs of customers, and according to different customer groups, the different demand for services and products to take different marketing strategy and policy. So, commercial Banks will be able to grasp the market more customer demand, and provide more suitable for their products and services, to expand the customers, stable customer base and expand the retail business is of positive significance.

Modern society attaches great importance to the degree of innovation consciousness and innovation ability is higher and higher, customer demand for retail services and products also varies with time, which requires commercial Banks to strengthen the innovation in the development of retail business, according to the changes of The Times development innovation services and products. The current commercial Banks in the development of products and services for the general showed homogeneous features, this phenomenon does not have any competitive advantage in the market economy, so, commercial Banks need to shift the past thought to recognize that innovation is the guarantee of the development of the retail business, inspire, encourage employees to service and product innovation. Single must require Banks to do this, of course, the professional quality of staff is higher, and has strong ability to innovate, so Banks also need effort from this aspect, to strengthen the professional training of the staff, promote the development of commercial implied the retail business innovation.

The development of network information technology in the new era has laid a good technical foundation for the development of commercial Banks' retail business, and also provided a new direction for the development of commercial bank retail business. In the development of online finance, commercial Banks must demand the expansion of business channels to facilitate the development of retail business. The scale of U large outlets promotes the development of retail business and makes up for the deficiencies in the past business development channels.

To sum up, the development of the retail business of commercial bank is the developing trend of The Times, and important content for further development of commercial Banks, but at present our country commercial bank in the ideological concept and marketing mode are still exists many problems, is not conducive to promote the development of retail business. Therefore, require Banks to change the past marketing idea, broaden the business development channels, can't innovative financial services and products, take the customer as the center for Banks to better development of retail business.

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