我国商业银行零售业务现状及发展趋势.docxVIP

[摘 要]最近这几年来，我国零售银行业务成为了商业银行发展的重点。但是，银行业整体上还停留在起步 阶段，如何抓住机遇，加快发展，成为当前商业银行面临的重要项目。商业银行零售业务是商业银行利用现代经营 管理理念，利用家庭和高科技中型企业，以客户为中心，提供的综合金融服务。银行业零售业务利润率高，风险小, 市场前景广阔，发展潜力巨大。它的特点是客户对象以个人客户为主，交易分散，金额少。本文分析了我国商业银 行零售业务的现状，并对我国商业银行零售业务发展中存在的问题提出了一些建议。 [关键词]商业银行零售业务发展趋势 Current Situation and Development of Retail Business of Commercial Banks in China [Abstract] In recent years, China，s commercial Banks pay more and more attention to the development of retail banking business. However, on the whole, China，s retail banking business is still in its infancy. How to seize the opportunity and accelerate the development has become an important issue that commercial Banks are concerned about. Retail banking refers to the comprehensive and integrated financial services that commercial Banks provide to individuals, families and small and medium-sized enterprises by taking customers as the center, using modern business philosophy and relying on high-tech means. Retail banking has high profit margin, low risk and broad market prospect. Its main characteristics are the customer object is mainly individual customers; Transactions are sporadic, The amount of the transaction was small. And puts forward some Suggestions for the development of China，s commercial Banks retail business in combination with the corresponding problems . [Keywords] Commercial Bank Retail Business The Development Trend 引言 零售业是商业银行利润的重要来源，零售银行营业收入的份额不断演变，国际银行业的结晶和商业银行的零售 银行客户为中心的战略，远程零分化已经成为商业银行的主要工具，来创造品牌服务的一个重要组成部分，是由商 业银行利润的来源，商业银行和可持续发展的好处。本文将从各个方面分析我国商业银行零售业务现状及发展趋 势。 一、商业银行零售业务的概述 (-)商业银行零售业务的含义 现代商业银行的活动按其服务对象分为批发和零售活动。银行零售业务是指商业银行运用现代经营理念，依托 高科技手段，向个人、家庭和中小企业提供的综合性，是商业银行提供一站式打包产品和服务的主要途径，是商业 银行开辟新市场、新领域、新经营方式的主要工具。一体化的金融服务，包括取款、存款、贷款、结算、汇兑、投Dynamics. Int J Control, 2016, 20: 43-62. [12]Ha laburda, H. and Y. Yehezkel. The Role of Coordinat ion Bias in PlatformCompetition. Journal of Economics and Management Strategy. Int J Control, 2016, 25: 274- 312 Key Poust tchi, Maik Dehnert. Electronic Markets. Int J Control