零售银行retailbanking机遇发展.docVIP

零售银行(retail banking,或称为个人银行) 零售银行业务是相对于批发银行业务而言的，是指商业银行运用现代经营理念，依托高科技手段，向个人、家庭和中小企业提供的综合性、一体化的金融服务，包括存取款、贷款、结算、汇兑、投资理财等业务。 批发银行(wholesale banking,或称为企业银行) 批发业务指不服务于普通的消费者，而服务于大银行和大金融公司。批发业务实际上就是投资银行业务。投资银行业务包括帮助大企业和银行发行证券、自行买卖证券、买卖外汇，或者帮助客户买卖外汇。 Banking services offered to the general public. Retail banking services are a group of financial services that includes installment loans, residential mortgages, equity credit loans, deposit services, and individual retirement accounts. In contrast with Wholesale Banking or corporate banking, retail banking is a high volume business with many service