“双循环”背景下商业银行零售业务发展趋势

New Development Trend of Retail Business of Commercial Banks under the Background of "Double Circulation"

加快形成以国内大循环为主体、国内国际双循环相互促进的新发展格局是事关全局的系统性深层次变革,必将对我国消费升级、要素流动、数字经济等方面产生重大而深远的影响。双循环新发展格局下,消费金融业务和财富管理业务将成为商业银行零售业务价值创造的新增长极,加快重点区域布局和推动全渠道融合发展将为商业银行零售业务弯道超车提供新的方向。为应对来自行业内外部严峻挑战,未来商业银行需通过更加关注客户体验来构筑商业银行零售业务的竞争护城河,通过科技引领和数据驱动来改变商业银行零售业务的传统增长曲线,从而不断创新零售业务的发展模式和拓宽其客户服务半径。最后针对"十四五"期间商业银行零售业务发展的重点问题,提出了加快金融科技在零售业务中的应用、主动服务国家重大区域战略布局、不断提升客户经营服务能力等相关对策建议。

Accelerating the formation of a new development pattern with domestic circulation as the main body and the mutual promotion of domestic and international double circulation is a systematic and deep-seated reform related to the overall situation,which will have a significant and far-reaching impact on China’s consumption upgrading, factor flow, digital economy and other aspects. Under the new development pattern of double circulation, consumer finance business and wealth management business will become the new growth pole of retail business value creation of commercial banks. Speeding up the layout of key regions and promoting the development of omni-channel integration will provide a new direction for the retail business of commercial banks to overtake. In order to cope with the severe challenges from the outside of the industry,commercial banks need to pay more attention to customer experience to build a competitive moat for retail business of commercial banks in the future, and change the traditional growth curve of retail business of commercial banks through technology leading and data driving, so as to continuously innovate the development mode of retail business and broaden its customer service radius. Finally, in view of the key problems in the development of retail business of commercial banks during the 14 thFive-year Plan period, this paper puts forward some relevant countermeasures and suggestions, such as accelerating the application of financial technology in retail business, actively serving the strategic layout of major national regions, and constantly improving the ability of customer management and service..