The middle income of retail financing business in the bank continues to improve
with the continuous development of the economy. The retail finance business has been
paid more and more attention and has become one of the key development directions of
commercial banks. At the present stage, the retail banking business of commercial
banks in China is still in the initial stage of development, there is still a lot of space for
perfection. Therefore, this article is mainly from the theoretical research and the present
situation of the current stage of retail financial management business. Using for relevant
theoretical methods. By Introducing the development and present situation of the retail
financial business of ZX bank in Harbin branch. An in-depth analysis of the problems of
brand construction, professional financial personnel, marketing service system,
performance evaluation mechanism and other aspects, and from the internal and
external two dimensions to analyze the cause of the problem. In reference to foreign
advanced experience and product and service innovation, combined with the actual
situation of Harbin branch of ZX bank, retail financial services from the overall strategy
ideas, create a professional financial personnel, set up marketing service system and
establish a sound risk control system to compliance, put forward for the operation and
healthy development strategy of retail banking business of ZX bank Harbin branch.
Keywords Commercial bankRetail financing businessManagement assetsStrategy。