“十二五”时期我国商业银行零售业务发展战略研究

On the Development Strategy of Retail Business for Domestic Commercial Banks in the “12th Five-Year” Period

"十二五"期间,国内商业银行零售业务将面临一些较好的发展机遇,同时,还将伴随着严峻的市场挑战。文章在系统分析当前国内商业银行零售业务面临的机遇、挑战、优势、劣势的基础上,提出了"十二五"期间国内商业银行零售业务应采取的客户开发与服务策略,业务组织与推动策略以及支持保障策略。

In the ＂12th Five-Year＂ period, the domestic commercial bank retail business will face a number of good opportunities for development. At the same time, they will also be accompanied by a grim market challenge. Basing on the analysis of the opportunities, challenges, advantages, and disadvantages, the article puts forward the customer development and service strategy, business organization strategy and security strategy for domestic commercial bank retail business in the ＂12th Five-Year＂ period.