本文選題：商業(yè)銀行 + 零售銀行業(yè)務　； 參考：《云南大學》2013年碩士論文

【摘要】：近年來,隨著我國經(jīng)濟建設的快速發(fā)展,居民生活水平顯著提高,社會財富不斷增長,居民對財富管理、增值儲值、投資理財?shù)囊笤桨l(fā)迫切,這對我國銀行的零售業(yè)務發(fā)展提供了廣闊的空間和前景。同時,從國際先進銀行發(fā)展的經(jīng)驗來看,零售業(yè)務的發(fā)展也是一個成功銀行能夠持久、健康、穩(wěn)健經(jīng)營不可或缺的重要板塊,國際大型銀行在上世紀70年代后普遍加快了零售銀行業(yè)務發(fā)展的步伐,近年來零售銀行業(yè)務已成為其利潤來源的主體,如花旗銀行、美洲銀行、德意志銀行等國家先進銀行,其零售利潤占比均超過50%。另一方面,從我國銀行業(yè)的發(fā)展來講,零售銀行業(yè)務也是轉型調(diào)整的必然選擇,次貸風暴和金融危機以后,新巴塞爾協(xié)議的出臺和我國資本新政的實施,對銀行的資本監(jiān)管更加嚴格,對銀行的經(jīng)營管理產(chǎn)生了深遠影響,我國銀行依靠簡單的規(guī)模增長和信貸投放獲取利益的發(fā)展模式已不可持續(xù),轉型和深化管理成為必然出路,零售銀行業(yè)務將成為國內(nèi)各商業(yè)銀行的必爭之地,因此,做好股份制商業(yè)零售銀行業(yè)務成為其戰(zhàn)略轉型的重要一步。 本文作者在參閱了大量關于國內(nèi)外銀行零售銀行業(yè)務發(fā)展的資料和書籍的基礎上,采用了文獻研究法、定性研究法、定量分析法、經(jīng)驗總結法等多種研究方法分析了國內(nèi)外銀行零售業(yè)務的發(fā)展現(xiàn)狀,進一步分析了我國商業(yè)銀行發(fā)展零售銀行業(yè)務面臨的機遇和挑戰(zhàn),提出了銀行發(fā)展零售銀行業(yè)務的必要性。同時重點分析了ZX銀行零售銀行業(yè)務的發(fā)展情況,零售銀行業(yè)務發(fā)展中面臨的問題,提出了發(fā)展零售銀行業(yè)務發(fā)展的戰(zhàn)略和對策措施,從而有助于ZX銀行下一零售銀行業(yè)務戰(zhàn)略的實施,有助于推動ZX銀行零售銀行業(yè)務的發(fā)展,提高在零售你行業(yè)務領域的競爭能力和市場份額,并為我國消費金融的發(fā)展提供有益研究。
[Abstract]:In recent years, with the rapid development of China's economic construction, the standard of living of the residents has improved significantly, the social wealth has been continuously growing, and the requirements of the residents for wealth management, value-added storage, investment and financial management are becoming more and more urgent. This provides broad space and prospect for the retail business development of Chinese banks. At the same time, judging from the experience of the development of international advanced banks, the development of retail business is also an indispensable and important sector for successful banks to operate in a sustainable, healthy and sound manner. Since the 1970s, international large banks have generally accelerated the pace of the development of retail banking business. In recent years, retail banking business has become the main source of their profits, such as Citibank, Bank of America, Deutsche Bank and other advanced banks in countries. Its retail profits account for more than 50 percent. On the other hand, from the development of our banking industry, retail banking is also an inevitable choice for the transformation and adjustment. After the subprime mortgage storm and the financial crisis, the introduction of the New Basel Accord and the implementation of the New deal on Capital in China. The capital supervision of the banks is more strict and has a far-reaching impact on the management of the banks. The development model of the banks relying on simple scale growth and credit to obtain benefits has become unsustainable, so the transformation and deepening of management have become the inevitable way out. Retail banking business will become a necessary place for all commercial banks in China, so doing well the joint-stock commercial retail banking business has become an important step in its strategic transformation. On the basis of reading a great deal of information and books about the development of retail banking business at home and abroad, the author adopts the methods of literature research, qualitative research and quantitative analysis. This paper analyzes the present situation of domestic and international banking retail business, analyzes the opportunities and challenges faced by commercial banks in developing retail banking business in China, and puts forward the necessity for banks to develop retail banking business. At the same time, it analyzes the development of the retail banking business of ZX Bank, the problems faced in the development of the retail banking business, and puts forward the strategies and countermeasures for the development of the retail banking business. This will contribute to the implementation of ZX Bank's next retail banking business strategy, to promote the development of ZX Bank's retail banking business and to enhance its competitiveness and market share in the retail banking sector. And for the development of consumer finance in China to provide useful research.
【學位授予單位】：云南大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.2

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