中外商业银行在零售业务领域的竞争力分析

An Analysis of the Retail Banking Contest Between Chinese and Foreign Commercial Bank in the Completely Opening Conditions

本文首先分析了外资银行在中国的发展进程,接下来从网点、产品、客户服务等方面对全面开放后中外商业银行在零售业务领域的竞争力进行了对比分析,揭示了我国商业银行在发展零售业务中的短板所在,最后结合我国金融业发展的实际情况,从明确零售业务发展定位、加强零售业务产品创新、全面提升个人金融业务服务层次等方面提出了我国商业银行应对当前外资银行巨大竞争压力的几点对策。

Firstly we analyze how foreign commercial banks develop in China. Then from the respects such as the networks of commercial banks, the productions and the client service we make a comprehensive analysis of the retail banking contest force between Chinese and foreign commercial banks in the location in our retail commercial banks. Finally on the base completely opening conditions, and promulgate the brief plank of the development of our country＇s banking industry, we draw lessons from the developed country commercial banking and give some proposals such as drawing out the accutual location of our retail commercial banking, strengthening the innovation of retail banking productions, advancing the service classes of our individual banking and so on.