零售银行业务:现代商业银行发展的战略重点

零售银行业务是现代商业银行发展的重点领域和利润增长的主要来源,呈现出金融产品多元化、综合化,业务处理规模化、集中化,服务渠道自动化、网络化,客户服务优质化、精细化,网点设计人性化、市场化的趋势与特征.近年来,零售银行业务在国内得到了迅猛发展,但相比于国际先进银行,我们仍有很大的差距,这需要国内银行深入把握规律,从思想观念、品牌建设和内部管理等方面入手全方位提升零售业务发展能力.

Retail Bank operation is a Tactic Emphasis in the Development of Modern Merchant bank

retail bank operation is a key field in the development of modern merchant bankand has become a chief origin of its profit increase,it shows itself the following character offinancial products diversity and synthesis,operational disposal dimension and convergence,service way automatic and network,customer service high quality and fine,net design humanity and market.Recently,retail bank operation have a great fast development in national country,but it still have a big gap compared with international advanced bank,therefore,national bank shall grasp rule deeply and promote the ability of retail operation on the way of the idea.brand constructionand interior management.