CAJ | 학술논문

随着社会经济的发展,国民收入的再分配出现了从企业客户向个人客户的调整和转变,商业银行传统的经营理念和思路也在发生变化,各家银行也逐渐从追求存贷款利差收入向扩大中间业务收入发展。零售银行业务已经成为了商业银行的核心业务并成为了各家银行争夺的焦点。本文从剖析零售银行业务的特点入手,着力分析了当前零售业务中存在的问题和同业竞争趋势,提出了解决对策。
수착사회경제적발전,국민수입적재분배출현료종기업객호향개인객호적조정화전변,상업은행전통적경영이념화사로야재발생변화,각가은행야축점종추구존대관리차수입향확대중간업무수입발전。령수은행업무이경성위료상업은행적핵심업무병성위료각가은행쟁탈적초점。본문종부석령수은행업무적특점입수,착력분석료당전령수업무중존재적문제화동업경쟁추세,제출료해결대책。
With the development of social economy,the redistribution of national income appears to adjust and change from corporate customers to individual customers and the traditional operation principles and ideas of commercial banks change at the same time.Each bank gradually develops from pursuing deposit and loan interest margins to expanding intermediary business revenue.Retail bank business has become the core business of commercial banks and the focal point which every bank strive for.This thesis starts with analyzing the characteristics of retail bank business,placing stress on the existing problems in current retail business and the horizontal competition trend and puts forward solutions.