层次分析法原理（许树柏）.pdf.pdf

中央财经大学双学士学位论文花旗银行零售业务发展策略对我国商业银行的启示学生姓名: 朱雅峤网院学号: 08611110088 双学位专业: 金融学指导教师: 黄昌利完成日期: 2010/ 12/ 18 花旗银行零售业务发展策略对我国商业银行的启示学生姓名: 朱雅峤网院学号: 08611110088 双学位专业: 金融学指导教师: 黄昌利论文成绩: 1 内容摘要零售业务具有单笔规模小、风险分散、收益稳定;客户群体庞大、易于发展中间业务;属于资本节约型业务等诸多特点。正因为如此,一方面在国内居民财富日益膨胀、金融需求多样化所形成的良好形势推动下,另一方面在我国加入 WTO 后银行业对外开放程度加深和受到外资银行咄咄逼人的业务竞争,以及国内金融监管国际化发展、注重资本监管和风险监管形势的经营环境挤压下,发展零售银行业务已经成为国内银行经营战略转型的基本选择。花旗银行( Citibank, . )是花旗集团属下的一家零售银行,是美国最大的银行。零售业务收入以每年 20 %的速度增长,是该银行业务增长最快的部分。本文通过对花旗银行零售业务成功经验的分析与借鉴,针对我国商业银行零售业务存在的问题提出相应策略,对提高经营效益,增强核心竞争力,完善我国现代商业银行制度具有重要的现实意义。关键词:商业银行零售业务花旗银行策略启示 ABSTRACT Retail business has many features 、 like small scale 、 risk diversification 、 earnings stability; a large customer base 、 easy to develop intermediary businesses; belonging toa capital-saving business. Because of this, on the one hand, driven ina good situation that the wealth of domestic residents is expanding and the need of financial products is diversity ,but on the other hand, after China joins WTO, because of the deepening of the banking sector 's opening up and petition with the foreign banks, the International development of domestic financial regulation and the squeezed operating environment to focus on the situation of capital regulation and risk control, it has e a basic choice to develop the retail business. Citigroup's Citibank isa retail bank, it is the biggest bank in America. Retail business revenue grows ata rate of20% per year, it is the fastest growing part of the banking business. Through the analysis and reference of the essful experience of Citibank 's retail business, proposing corresponding strategies for the problems existing in China'mercial bank's retail business, has important practical significance for Improving the operational efficiency, enhancing the petitiveness and improving the mercial banking system in 2 China. KEY WORDS :c ommercial b ank r etail b usiness c itibank s trategy i mplications 1 目录一、商业银行零售业务的简介………………………………………………………………… 1 (一) 商业银行零售业务的定义…………………………………………