摘要
商业银行零售业务由于利润率高、国家支持力度大等原因,成为近年银行发展的主要方向,具有较大的发展空间,各个银行纷纷开发零售业务。但是在经济环境不断变化、科技发展迅速的情况下,商业银行零售业务也面临着转型的需要。在这种情况下,转变思维方式和业务模式是银行亟待解决的问题。零售业的转型,对于银行自身结构的优化、抗风险能力的加强、盈利能力的提高、客户服务的提升都具有重要意义,因此在新的环境下商业银行零售业务的转型值得深入探讨。
The retail business of commercial banks has become the main direction of bank development in recent years due to high-profi t margins and strong state support.It has a large room for development,and various banks have developed retail businesses one after another.However,in the context of constant changes in the economic environment and rapid technological development,the retail business of commercial banks is also facing the need for transformation.In this case,changing the way of thinking and business model is an urgent problem for banks to solve.The transformation of the retail industry is of great signifi cance to the optimization of the bank's own structure,the enhancement of risk resistance,the improvement of profi tability,and the improvement of customer service.Therefore,the transformation of commercial banks'retail business in the new environment is worthy of in-depth discussion.
作者
何灏
HE Hao(Zhengzhou branch of Shanghai Pudong Development Bank Co.,Ltd)
出处
《商展经济》
2021年第11期58-60,共3页
Trade Fair Economy
关键词
商业银行
零售业务
转型
创新
发展策略
commercial bank
retail business
transformation
innovation
development strategy
