Commercial Banks To Develop The Economic Base Of The Retail Banking Environment

Retail banking in China is a newly emerging field, but for Western commercial banks, it was an important business. In recent years, developed countries are showing a more retail banking trends:First, the proportion of the faster-growing retail business. Securitization and investment in financial institutions, the impact of the wave of a growing number of companies to bypass commercial banks directly in the capital market to raise funds to enable these countries to the traditional commercial banking deposit and loan volume declined relative weight, the West Bank from the wholesale banking business, the ability to obtain revenue decline. However, the commercial banks in the retail banking area, a new-growth areas, such as Citibank of the United States from the mid-1970s with the creation of the Department of Consumer financial services to consumers with various distinctive, diversified retail banking, the Bank in 1994 to profit in this area amounted to 1.4 billion US dollars. Accounted for 41% of overall profits.Second, the retail business area competition. Retail banking is traditional commercial banking field advantage, but as countries have open financial markets over the past financial management classification threshold is gradually blurred out, the banking, securities and insurance companies operating cross-cutting growing. More and more non-bank financial institutions, the retail business is not operating financial institutions and non-traditional financial services firms have entered the market for this business area competition. For example, the original focus on personal finance products to operate a single credit card companies, commercial banks now follow the practice of banks and the introduction of similar retail banking products. It must be noted that the West in particular in some countries, such as manufacturers and retailers non-bank competitors, the industry is also using its own extensive sales distribution network through its various retail banking institutions in market segmentation. Such as : retail business tycoon British supermarket groups to be too high a bank several times higher than the general interest,...