【作者】 张萍；

【导师】 刘妍芳；

【作者基本信息】 首都经济贸易大学 ， 金融学， 2009， 硕士

【摘要】 发达国家商业银行零售业务的发展已有数百年的历史,零售业务的利润占比也达到了相当的高度,逐渐成为商业银行利润增长的重要领域。而我国商业银行长期忽视零售业务的发展,从而使其发展非常滞后。伴随着商业银行批发业务发展的成熟和完善,在规模和利润方面都呈现下降趋势,这些都会直接影响和制约商业银行整体的发展。并且伴随着脱媒现象的日益出现,使许多大公司、大企业直接转向资本市场筹集资金,这些都会促使商业银行利润的下降。因此商业银行大力发展零售业务以此来拓展盈利空间,提高自身的竞争力,无论是处于国际竞争还是自身发展的需要都是必须的。国内中产阶级的迅速兴起又给商业银行发展零售业务提供了巨大的市场需求:一方面,我们要制定发展零售业务的策略和措施,积极抢占市场;另一方面,我国商业银行必须要克服发展零售业务的盲目性和随意性。本文通过对商业银行零售业务现状的分析,提出目前存在的问题,并借鉴发达国家商业银行零售业务的发展趋势与经验,对我国商业银行零售业务的发展提出了自己的一点建议。本文在结构上主要由六个部分组成:第一章是引言。第二章是概念介绍,主要介绍商业银行零售业务的含义、内容及特点,并指出了发展零售业务的重要性。第三章主要从零售业务在发达国家的发展现状、发展原因以及未来发展趋势等几个方面对发达国家零售业务的发展概况进行阐述。第四章对我国商业银行零售业务的发展现状及问题进行阐述。首先从零售资产、负债、中间业务三个方面对现状进行分析,并以中小股份制商业银行(尤其是招商银行)的发展情况为例;随后又提出了零售业务目前所存在的问题。第五章主要针对零售业务目前存在的问题提出一些解决策略。第六章为研究结论与展望。本文认为我国商业银行应在借鉴发达国家发展零售业务经验的基础上发挥已有的传统竞争优势,树立发展零售业务的伟大远景,并要通过转变传统服务意识,加大金融产品创新力度,加强风险控制等措施来大力发展零售业务。更多还原

【Abstract】 Retail business of commercial banks has been developing for hundreds of years in developed countries. And retail business profitability also reached to a significant degree, which becomes an important area for profit growth in Commercial banks. However, the retail businesses have been ignored by the banking industry in our country for a long time, and retail business is undeveloped. With the maturing of the wholesale of commercial banking business, both the scale and profit possess the downward tendency, effecting the operation of development of commercial banks. Disintermediation made a great amount of large companies and enterprises turn to stock and bond market to raise funds, So that the profits of commercial banks declined. Considering of international completion and self-development, it is necessary to make commercial banks carry on retail business to expand the profit space and to intensify the competitiveness of commercial banks. The rapid emergency of the middle-class provides enormous market demand for the retail business of commercial banks. So, on one hand, we must formulate the strategies to develop the retail business and then occupy the market; On the other hand, the Chinese-funded banks must overcome the blindness and randomness on the development of retail banking. In the paper, based on analyzing retail business of commercial banks, the problems existing are raised. And by learning from the development of international retail business, some suggestions are given about the development of retail business of commercial countries in China.The paper consists of six parts. The paper begins with introductory Chapter 2 provides an overview of the meaning, content and characteristics of retail business of commercial banks. The importance to develop retail business is also mentioned. The development of retail business in developed countries was reviewed in Chapter 3, including the present status, cause and trends of development. In chapter 4, the developing status of retail business of commercial banks in China and the problems are described. First, retail assets, debt, and intermediate business of retail business were analyzed, and the case of small and medium-sized equality joint commercial banks was taken, especially (China Merchants Bank ) In chapter 5, the solutions to solve the problems of retail business were raised. Chapter 6 consists of the conclusion and prospect of the study.It is presented that the commercial banks in China should learn from the development of retail business in developed countries and then takes advantage of traditional competition to make the retail business develop rapidly. Also, the retail business should be developed by forming stronger sense of services, increasing the product creativity and exercising better risk management.更多还原