中小股份制银行零售银行业务发展思路

发布时间：2018-06-25 01:00

本文选题：零售银行 + 发展思路　；参考：《中国流通经济》2011年02期

【摘要】：零售银行业务已经成为国际先进银行的主要利润来源,而且也成为亚洲银行业战略转型的重要方向。发展零售银行业务实际上是当前国内中小股份制银行可持续发展的内在要求。目前,我国中小股份制银行发展零售银行业务的条件已经具备。尽管与国外先进银行的零售业务发展相比,我国中小股份制银行存在不小差距,但通过分析可以看出,清晰的发展思路、明确的战略目标、多元化的产品、高素质的人才、科技创新以及高效健全的销售渠道都是零售银行业务高速发展的重要力量。
[Abstract]:Retail banking has become the main profit source of international advanced banks, and has also become an important direction of strategic transformation of Asian banking industry. The development of retail banking business is actually the internal requirement of the sustainable development of domestic medium and small-sized joint-stock banks. At present, our country small and medium-sized stock system bank develops the retail bank business the condition already to have. Although compared with the retail business development of foreign advanced banks, there is not a small gap between the small and medium-sized joint-stock banks in our country, but through the analysis, we can see that there are clear development ideas, clear strategic objectives, diversified products, high-quality talents, Scientific and technological innovation and efficient and sound sales channels are important forces for the rapid development of retail banking business.
【作者单位】：广东商学院金融学院;
【基金】：国家自然科学科学基金面上项目“羊群行为视角下商业银行信贷传导机制及其效应研究”(项目编号:71073031);国家自然科学科学基金面上项目“基于消费视角的居民资产财富效应测度与调控政策研究”(项目编号:71073030) 国家社会科学基金青年项目“资产价格波动与金融体系稳定研究”(项目编号:10CJL017) 教育部人文社科规划基金一般项目“资产价格波动与银行体系稳定的理论及实证研究”(项目编号:08JA790025)的部分研究成果
【分类号】：F832.2

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