我国小银行发展个人金融业务的策略探讨

个人金融业务作为现代商业银行业务体系的重要组成部分,以其业务成长性好、业务活动涉及范围广、业务风险相对较低以及经营收入相对稳定等特点,逐渐或已经成为现代商业银行的重要利润来源。随着外资银行在更大范围进入中国市场,我国商业银行在个人金融业务领域将面临着激烈的竞争和挑战。而以城市商业银行为主要组成部分的小银行,竞争压力更是明显。文章从分析小银行发展个人金融业务的优劣势入手,提出了发展个人金融业务的策略。

Study on the Strategies of Developing Personal Banking Services in the Small-sized Banks

Personal banking services,which is one of the most important components of moden commercial banking industry,has become a profit generator of commercial banks because of its fast development,wide scopes and low risks.As more amd more foreign banks are entering the Chinese market,Commercial Banks are facing severe competitions and challenges in the field of personal banking services. The pressure is more obvious for the small-sized banks which are mainly formed by the city Commercial Banks.In this paper,through the analysis of the advantages and disadvantages of developing personal banking services in the small-sized banks,it puts forward the strategies of developing personal banking services.