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中文摘要：
零售银行业务已经成为国际先进银行的主要利润来源,而且也成为亚洲银行业战略转型的重要方向。发展零售银行业务实际上是当前国内中小股份制银行可持续发展的内在要求。目前,我国中小股份制银行发展零售银行业务的条件已经具备。尽管与国外先进银行的零售业务发展相比,我国中小股份制银行存在不小差距,但通过分析可以看出,清晰的发展思路、明确的战略目标、多元化的产品、高素质的人才、科技创新以及高效健全的销售渠道都是零售银行业务高速发展的重要力量。
英文摘要：
Retail banking business has become the major profit source for the international advanced banks;it is also the important direction for the strategic transformation in Asian banking industry.Developing retail banking business is actually the inherent requirement for China＇s medium and small sized joint-stock commercial banks to realize the sustainable development.At present,though there are big gaps between China＇s medium and small sized joint-stock banks and other advanced foreign banks in terms of the development of retail banking business,the clear thought on development,the clear strategic targets,the diversified products,the high quality talented professional people,the scientific innovation and the efficient channel for sale are all the driving forces for the rapid development of retail banking business.
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