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论文编号：	3773
作者编号：	2120092771
上传时间：	2011/11/25 22:59:31
中文题目：	我国商业银行发展零售业务策略研究
英文题目：	Study on the Development of Retail Banking for Chinese Commercial Banks
指导老师：	刘志远
中文关键字：	商业银行 零售业务 策略
英文关键字：	Commercial bank; Retail business; Strategy
中文摘要：	银行零售业务是指银行向居民个人、家庭及中小企业提供的各类金融活动，包括存取款、贷款、结算、汇兑、理财、投资等各项业务。银行零售业务是相对于批发业务而言的，具有单笔金额较小、风险分散、收益比较稳定；客户群体较多、易于发展中间业务；属于资本节约型业务等诸多特点。正因为如此，一方面在国内居民财富日益膨胀、金融需求日益多样化的良好形势推动下，另一方面随着我国加入世界贸易组织的承诺逐步兑现，我国银行业对外开放的程度日益加深，来自外资银行的竞争压力日益显现，以及在国内金融监管政策日益国际化，银行经营更加注重资本监管和风险监管的环境背景下，如何发展零售业务已经成为我国商业银行发展的重要研究课题。本文从商业银行零售业务的发展背景、范围和特征出发，在分析零售业务的发展方向及发展意义的基础上，对我国商业银行发展零售业务的策略进行了深入研究。本文首先对我国商业银行发展零售业务进行了可行性分析及现状分析，并提出我国商业银行在零售业务发展中存在的问题及成因。之后，本文在借鉴先进银行在发展零售业务方面的成功经验的基础上，分析总结出我国商业银行零售业务的发展策略，指出要提高我国商业银行零售业务的发展速度，提高市场竞争能力，就必须从思想观念、组织架构、产品服务、营销渠道、人员团队等几方面着手，形成系统化管理、专业化经营的现代商业银行零售业务管理体系。在提出发展策略后，本文以作者所在单位（天津银行）为案例，对策略的具体实施及最终效果进行了阐述。最后在上述研究的基础上，得出我国商业银行发展零售业务的研究结论。本文的写作目的旨在为探讨我国商业银行如何在日益激烈的国际竞争中走出适合自身发展的成功之路，为我国银行业的发展提供有力的策略支持。
英文摘要：	Retail business of banking means that the banking institutions which provide financial activities for the individuals, families, Small and medium-sized enterprises. Retail business of banking includes deposits, loans, settlement, exchange, investment and other business. Retail business has many features, like small scale、risk diversification、earnings stability; a large customer base、easy to develop intermediary businesses; belonging to a capital-saving business. Because of this, on the one hand, driven in a good situation that the wealth of domestic residents is expanding and the need of financial products is diversity , but on the other hand, after China joins WTO, because of the deepening of the banking sector's opening up and the competition with the foreign banks, the International development of domestic financial regulation and the squeezed operating environment to focus on the situation of capital regulation and risk control, it has become a basic choice to develop the retail business. From the background、scope and characteristics of Retail business, the strategy to retail business of china’s commercial bank has been very carefully researched by this article. First, through assaying on the feasibility and the present situation, the article raises questions and causes in the retail business development of the Chinese commercial banks. Second, through the analysis and reference of the successful experience of foreign commercial banks and some commercial banks in our country’s retail business, the article point out if our country’s retail business want improve development speed and the market competitive ability, we should change idea, organizational structure, products and services, marketing channel and so on, improving the modern commercial retail business of the banking system. After proposing corresponding strategies, the author takes a company (Bank of Tianjin) as a case, and the get the final conclusion based on the above study. Purposes of this article is to explore how china’s commercial banks which is in the increasingly fierce international competition going to develop the road to success.
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