2.1商业银行零售业务简介4
2.1.1商业银行零售业务定义与种类4
2.1.2商业银行零售业务基本内容4
摘 要
2015年“十二五规划”收官之年，经济“新常态”下的银行业，伴随着改革创新不断深化和竞争机制的不断增强，来自经济下行、利率市场化、市场准入开放、资本市场发展和互联网金融新兴的多重压力考验着商业银行的持续经营能力，传统的盈利增长模式即将走到尽头。“新常态”下，拓展资本节约型业务、寻求经营模式的新突破，成为银行业亟需面对和解决的问题。作为商业银行支柱业务的零售业务，以其单笔额度较小、分散风险、收益较稳定、灵活多样和客户群体广泛等诸多特点，在商业银行的价值创造能力不断提升，越来越成为商业银行业务发展和利润创造的源泉，成为了商业银行可持续发展的重要方向。近年来，各家商业银行零售业务雨后春笋涌现，但整体的业务发展水平较低，存在着客户关系管理粗放、产品设计同质化、业务收入占比与国外银行差距较大、营销渠道设计单一，业务流程设计不人性等。本文从商业银行零售业务概念、内容、特点和发展趋向入手，以我国商业银行零售业务为研究对象，同国外商业银行零售业务进行对比分析，结合国情实际，探索切实可行的商业银行零售业务创新发展策略。
关键词：商业银行，零售业务，发展策略
Abstract
2015 "Twelfth Five-Year Plan" ending of the year, the banking sector economy "new normal" under, along with the deepening of reform and innovation, and the growing competition from the economic downturn, the interest rate market, open market access, capital financial market development and the Internet emerging multiple pressure test of the continued viability of commercial banks, the traditional mode of earnings growth will soon come to an end. Under the "new normal", expanding the capital-saving business and seek new breakthroughs in business model, the banking industry has become an urgent need to face and solve. As a retail business of commercial banking business pillar, with its single small amount of risk diversification, earnings more stable, flexible and broad customer base and many other features, the ability to create value commercial banks rising, more and more become a commercial bank business development and create a source of profit, has become an important direction for sustainable development of commercial banks. In recent years, commercial banks and retail businesses springing emerged, but a lower level of development of the business as a whole, there is extensive customer relationship management, product design, homogenization, the larger proportion of revenue gap with foreign banks, a single marketing channel design, business process design and so does humanity. From the retail banking concept, content, characteristics and development trends start to our retail banking for the study, a comparative analysis with foreign commercial banks and retail businesses, combined with the actual conditions, to explore the development of practical and innovative retail banking strategy.
Key words :Commercial Bank,RetailBusiness,Development Strategy
商业银行零售业务创新发展策略研究
第1章 绪论
1.1论文研究的背景及意义
最近几年我国商业银行零售业务发展迅速，在我国经济建设的过程中发挥了不可替代的作用。零售业务作为商业银行主要经营业务之一，在面对公司业务日臻成熟的现国的商业银行迫切需要进行经营结构调整，寻找和发现新的利润增长业务。零售业务以其能相对分散风险、持续性和结构稳定等优势，成为商业银行实现战略转型的重点途径。