Abstract we propose the ideas, objectives and countermeasures for the transformation and development of the retail business of the DE county branch of the Agricultural Bank of China, as well as the targeted measures for the retail business system of the Agricultural Bank of China, to further improve the transformation model of the retail business of the bank and achieve better development. This research aims to solve the problems encountered in the retail transformation process of the DE county branch of the Agricultural Bank of China, assist the bank to improve the management level and the overall quality of employees with better transformation ideas and measures, and provide reference for the transformation of financial bank retail. It has significant theoretical and practical importance for agricultural banks to gradually shift from "big asset management" to "big retail", and to seek new business growth points while saving capital. Key words:Retailbusinesstransformation;Businessdataanalysis;Increase revenueand efficiency III 目录 1 绪论 .............. 1 1.1 研究的背景 ................. 1 1.2 研究的意义 ................. 2 1.3 研究问题的提出 ................ 3 1.4 研究的内容与方法 ............ 4 1.4.1 研究的内容 ........... 4 1.4.2 研究的方法 ........... 4 1.5 论文框架 .............. 6 2 相关基本理论 .............