零售银行业务是商业银行的一类主要业务。随着商业银行对零售银行业务认识的提高和国内银行业改革的深入，零售银行业务的重要性日益明显、竞争日益激烈、存在的问题日益显现。我国零售银行业务目前仍处于起步阶段，虽然发展迅速，但发展过程中仍然存在着一些问题，使商业银行不能很好的体现零售银行业务的盈利能力。本文从回顾零售银行业务的理论基础上出发，分析我国零售银行业务的目前发展现状，研究其存在的问题，从而对我国零售银行业务的发展提出一些有效具体、符合我国实际情况的对策。 关键词（本论文范文的主要论点） ： 商业银行；零售银行业务；发展现状；存在的问题；对策
Abstract
Retail banking is a class of commercial banks, major lines of business. With the commercial banks on the retail banking business to raise awareness of domestic banking sector and deepening of reform, the importance of retail banking is increasingly clear, in an increasingly competitive problems become more and more.China’s retail banking business is still in its infancy, although the rapid development of the development process but there are still some problems, so that commercial banks can not be a good reflection of retail banking reform and development of the necessity and feasibility study of the domestic retail banking business and its problems, in line with the actual situation of China’s response.
Keywords: commercial bank； retail banking；develop status；questions；analysis
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