In the past few years, many banks have put forward this issue and put it in a strategic position in an exemplary manner. But only China Merchants Bank can really be called the best retail in China (the word "only" is really not excessive), the fundamental reason is that China Merchants Bank is the only one that can carry out the strategic thinking of taking retail as the main body in recent years, and it has studied the perfect retail business system and its contribution ratio of nearly 5% through continuous investment in human and financial resources. On the other hand, other banks that have been shouting slogans have put forward retail strategies this year. When the public environment is good next year, resources will be invested in the public; The following year, the inter-bank business will be improved, with emphasis on supporting the inter-bank business; The same retail line: the mortgage business is easy to do, from the financial manager to the personal loan manager to the hall to do mortgage.