对当前商业银行零售业务发展的几点认识

Several Understandings of the Current Development of Commercial Banks' Retail Business

随着社会经济的发展,国民收入的再分配出现了从企业客户向个人客户的调整和转变,商业银行传统的经营理念和思路也在发生变化,各家银行也逐渐从追求存贷款利差收入向扩大中间业务收入发展。零售银行业务已经成为了商业银行的核心业务并成为了各家银行争夺的焦点。本文从剖析零售银行业务的特点入手,着力分析了当前零售业务中存在的问题和同业竞争趋势,提出了解决对策。

With the development of social economy,the redistribution of national income appears to adjust and change from corporate customers to individual customers and the traditional operation principles and ideas of commercial banks change at the same time.Each bank gradually develops from pursuing deposit and loan interest margins to expanding intermediary business revenue.Retail bank business has become the core business of commercial banks and the focal point which every bank strive for.This thesis starts with analyzing the characteristics of retail bank business,placing stress on the existing problems in current retail business and the horizontal competition trend and puts forward solutions.