What are the ideas and measures for the development of bank retail business?

With the steady progress of economic restructuring and banking reform in China, the transformation of commercial banks has become an irreversible trend.

The transformation of commercial banks is a dynamic evolution and development process, including two aspects: (1) according to the changes of external operating environment and regulatory policy requirements, the business structure of commercial banks is optimized and adjusted in compliance; On the other hand, it is the digital transformation of business, which requires the use of various financial technology theories and technical methods to actively explore the market, actively create opportunities and innovate business models.

measure

1, the business structure transformation should take retail as a breakthrough.

Under the background of economic downturn, market-oriented reform and increased risk exposure, the development model of traditional commercial banks has been unsustainable. The business transformation of commercial banks involves companies, retail, financial markets, risk management and other business sectors, which is an all-round protracted war.

In many business transformation directions of commercial banks, retail banking has its own unique advantages, which has become an important path for commercial banks to spread risks, optimize business structure and achieve contrarian growth. Judging from the representative achievements of China Merchants Bank's retail transformation and development, expanding retail banking business is an important direction of the overall business structure transformation.

2. The digital transformation of business needs to create an Internet format.

Digital transformation is the product of the combination of technology and finance, an important means to improve customer service efficiency in the network era, and a catalyst and booster for commercial banks to improve management efficiency. The digital transformation of commercial banks must conform to the law of Internet development, and its essence is to promote business efficiency with information efficiency.

In order to meet the changes of customers' needs and behaviors, commercial banks need to make use of the advantages of information technology and constantly strengthen the innovation of service models and methods. With the continuous improvement of the digital management level of commercial banks, the focus of customer service is gradually moving towards online and network. At present, efficient, convenient and safe Internet financial services are being accepted by customers.

Extended data:

Problems needing attention in the development of bank retail business

The combination of retail banking and financial technology emphasizes efficiency first and quality as the key link. The primary goal of digital transformation is to solve the problem of efficiency and then solve the problem of high-quality development. With the help of financial technology and digital efficiency, commercial banks first promote the improvement of retail management efficiency and service efficiency, then promote the innovation of management and service model and promote the improvement of customer service experience.

To promote the digital transformation of retail banking business, we need to practice two important ideas in the process from efficiency optimization to quality improvement and efficiency improvement. The first is to integrate thinking, sort out various internal and external resources through digital means, and realize large-scale and cross-border integration, integration and management.