In the past few years, many banks have raised retail issues and put them in a strategic position, which is of exemplary significance. However, only China Merchants Bank can truly 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 bank that can carry out the strategic thinking with retail as the main body in recent years. Through continuous investment in human and financial resources, it has developed a perfect retail business system and its contribution ratio of nearly 50%. 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, inter-bank business will be improved, with emphasis on supporting inter-bank business; The same retail bank: mortgage business is easy to do, from financial manager to personal loan manager to mortgage in the lobby.