In the context of the continuous development and maturity of information technology and fintech and the continuous growth of residents' disposable income, commercial banks are accelerating the deepening of the layout of retail business, actively adjusting their development strategies and transforming to 'big retail' and 'big wealth', aiming to seize market opportunities. With customers as the core of development, digitalization as the main line of development and compliance as the framework of development, retail banks have reshaped their business lines and strengthened their operation capabilities through technology empowerment. At the same time, the demand for wealth management market is growing day by day, and practitioners flock to the industry, and chaos occurs from time to time. Recently, the supervision of the wealth management industry at the national level has shown a trend of becoming stricter and finer, which has clarified the direction of reform on the supply side of market subjects and put forward the requirements for high-quality development. With the theme of 'Insight into Retail changes and Optimization of Financial Management Layout', the 2023 Retail Bank Leaders' Conference will analyze the development trend of the industry with a forward-looking vision, and conduct in-depth discussions with senior experts in the industry on the construction of digital intelligence, scene ecological construction, all-channel collaborative development, differentiated customer group management and other aspect.