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论文编号：	1076
作者编号：	2220070595
上传时间：	2009/6/8 11:09:46
中文题目：	我国零售银行业务研究
英文题目：	Commercial banks retail bankin
指导老师：	张继勋
中文关键字：	商业银行，零售业务，发展策略
英文关键字：	Commercial banksRetail banki
中文摘要：	在银行业发展的过程中，很长时间段内，商业银行注重的是和大客户的关系，重视与企业的往来。然而，21世纪前后，国内外商业银行的经营模式和经营活动发生了深刻的变化。零售银行业务在商业银行经营业务中的地位和作用不断上升，并越来越受到社会各方面的重视，零售业务的发展提高了银行服务的深度和广度，实现了银行规模经济和范围经济，开辟了银行新的利润来源。 我国经济近年来增长迅速，人口基数庞大，零售银行业务在我国又处于起步阶段，这为此项业务在我国的发展提供了广阔的空间。同时，与批发业务相比，零售业务具有对象广泛、风险分散、利润稳定的特点，这就使得我国的零售业务孕育着极大的机会，大力发展已是大势所趋。但是与国际大型银行相比，我国的零售业务无论从经营理念、发展现状，还是现实地位等方面来看，都具有很大的差距。大力发展零售银行业务不仅是我国银行自身发展、提高盈利性和安全性的要求，更是日后与外资银行开展全面竞争的要求，所以分析零售业务的发展历程和发展模式，将有助于我国零售银行业务的发展。 本文首先对银行零售业务进行了概述，在讨论了银行零售业务的内涵和基本特征之后，介绍了银行零售业务的发展概况和发展趋势。其次，通过对我国零售银行业务现状的分析，结合民生银行发展零售业务的实例，总结出我国商业银行发展零售业务所应采取的发展策略。本文采用了实例分析、理论与数据结合、对资料进行归纳提炼等方法，从六部分对命题进行阐述。第一部分引言，主要介绍论文的选题背景、意义，国内外文献综述和论文的结构、创新点等。第二部分为理论综述，主要阐述了银行零售业务的涵义特点、发展历程、基本内容及经营范围等；第三部分主要论述我国银行零售业务发展现状及分析，并总结出我国商业银行开展零售业务的优势。第四、五部分是本论文的重点，第四部分针对我国零售银行业务现状存在的问题，总结出我国商业银行零售业务的发展策略；第五部分案例分析，对民生银行新型的零售业务进行阐述，进一步证明所提出的发展策略的可行性；第六部分为结论。
英文摘要：	In the process of bank industry’s development，commercial banks pay much attention to the relationships with the big clients and contact with the enterprises. However, around the 21st century， the administration pattern of the commercial banks has had profound change. Retail banking plays more and more important role in domestic banking operation, and has been attached the great importance accordingly. Retail banking increased the depth and breadth of the banking business to achieve economies of scale and scope economies， and opening up a new source of profit for banks. In recent years， china’s economy grows rapidly， besides， China has a large amount of population， which provides a large room for the just-beginning retail banking. meanwhile，compared to the wholesale business，personal financial business have the features such as extensive target，dispersed risk，steady profit，which give the personal financial business rarely chance to make a big progress. However， because of the limitation of the policy， capital， talents and knowledge， Retail banking run slowly。Compared to the international large banks，the Retail banking no matter in management conception，the development state，or in the practical position ，our personal business still have a long way to go. Developing the personal financial business deeply is not only the request of our state bank to gain profits and improve its security ，but also the request to compete with the foreign capital bank in the full scale. So analyzed the spread and modle of Retail banking，will help the development of the retail banks in the China. First， the disquisition summarizes the retail banking business. after discussing the concept and the basic characteristic of retail banking business， the article introduced the development general situation and developing trend of retail banking business. and the give a deep discussion on the ways and methods that the a Bank used to develop the retail business，which gives enlightenment to our commercial banks on how to develop the retail financial business. The essay uses the methods such as the example analysis，combines the theory with data，and sums up the material to support the essay，and expound from 5 aspects. Firstly， Firstly introduce the background of selection of the subject， the purpose of the studying on the subject， current research home and abroad， main contents and the way of research and reveal the novel ideas. the outline of Retail banking in introduced ， the theory related to run mode and content of Retail banking in the second part; in the third chapter ，we concerns the analysis of Retail banking and the advantage position of Retail banking in China. We discussed that the import of Retail banking to our Commercial banks and Retail banking development strategy in the fourth chapter. In the fifty arises during the practice of Retail banking in China Minsheng Corp. Ltd will be analyzed .and finally come to the conclusion.
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