论我国商业银行零售银行业务的发展策略

零售银行业务是目前商业银行的主要业务之一,对于商业银行的发展至关重要。我国的零售银行业务还处在起步阶段,如何加快其发展,是商业银行面临的迫切问题。本文针对我国商业银行零售银行业务的现状,从业务领域、客户管理、组织结构、网上银行、风险管理、人才培养等方面提出了具体的发展策略。

At present, the retail banking is one of the main business lines of the commercial bank and it is crucial to its development. The retail banking of our country is still at the initial stage. How to speed its steps is an urgent subject that the commercial banks face. Aiming at the actual state of our country, this paper proposes concrete development strategies in the aspects of business lines, client supervision, organization structure, net bank, venture management and personnel training.