摘    要

21世纪前后，国外商业银行发生了深刻地变化，零售业务在商业银行中的地位不断上升。目前在发达国家中，零售业务在花旗银行等中大银行中的利润贡献超过40%。在大力发展金融创新的条件下，零售业务提高了银行服务的广度和深度，开辟了银行新的利润来源。同时，国内中产阶级的迅速兴起又给商业银行零售业务的发展提供了巨大的市场需求。招商银行是国内零售银行业务上表现最出色的商业银行，本文阐述了零售银行基础理论和招商银行发展的基本情况，对招商银行发展零售信贷业务的战略进行深入分析，将招商银行与其他国内、国外银行进行比较，结合招商银行的实际情况详细讨论。希望能够抛砖引玉，对我国商业银行零售信贷银行业务发展有所裨益。85429

Abstract Before and after twenty-first Century, foreign commercial banks have undergone profound changes, the retail business in the commercial banks in the status of rising。 Currently in developed countries, the retail business in Citibank and other large banks in the profit contribution of more than 40%。 In the development of financial innovation, the retail business has improved the breadth and depth of banking services, opened up a new source of profit for banks。 At the same time, the rapid rise of the domestic middle class also provides a huge market demand for the development of the retail business of commercial banks。 China Merchants Bank is the domestic retail banking business on the performance of the best commercial bank This paper describes the basic situation of the basic theory and the development of retail banking of China Merchants Bank, in-depth analysis of the development of the retail credit business of China Merchants Bank strategy, the China Merchants Bank compared with other domestic and foreign banks, combined with the actual situation of China Merchants Bank is discussed in detail。 I hope to be able to initiate, to benefit the bank retail credit business development of commercial banks in China。

毕业论文关键词：零售业务； 招商银行； 金融创新

Keyword：Retail business ; China Merchants Bank ; financial innovation

目    录

摘    要 2

Abstract 2

1引言 5

2零售信贷业务相关理论 6

2。1零售资产业务理论基础——预期收入理论 6

2。2零售银行业务相关理论 6

2。2。1零售资产业务 6

2。3小微企业信贷业务一般理论 6

2。3。1小微企业界定 6

2。3。2小微企业信贷业务特点 7

2。3。3小微企业信贷业务的风险控制原则 7

3招商银行零售信贷业务基本情况及发展现状 7

3。1招商银行基本情况 7

3。1。1看利润：增速居前，回报丰厚 7

3。1。2看零售：贡献“半壁江山”，源Q于W优H尔J论K文M网WwW.youeRw.com 原文+QQ75201.,8766 领先优势持续扩大 7

3。1。3看品牌：美誉满全球 8

3。2招商银行零售信贷业务介绍 8

3。2。1个人贷款业务 8

3。2。2小微贷款业务