文档介绍：辽宁师范大学硕士学位论文摘要在当代,尤其是最近几年,伴随着国内商业银行零售业务市场的成熟,为保证资本充足率,商业银行开始考虑并着手调整和优化内部结构,专注于发展零售业务,大力创新零售金融产品,加大营销拓展力度,提供多元化、定制化服务,取得了一定的成效。为了使我国零售业务能够达到国外先进水平,必须采取一系列有效措施,因此研究商业银行零售业务的发展具有一定的现实意义。在发展商业银行零售业务的同时,伴随产生一定风险,目前我国虽然在零售业务风险管理方面取得了?定的成果, 但是与发达国家相比,还具有很大的差距,因此是否能够做到风险预警、风险防范、风险控制成为了商业银行零售业务能够快速发展的前提。本文涵盖J,四章内容,首先介绍了商业银行零售业务的基本内容,能够使读者对商业银行零售业务有直观的理解:紧接着介绍了国内外学者对商业银行零售业务发展以及商业银行零售业务风险管理经验和方法的研究;然后阐述r商业银行零售业务目前如何发展,如何运作及所遇到的问题和解决对策;再然后通过【刘子分析方法建立了商业银行零售业务风险管理体系,用资本充足率作为因变量,贷款规模、平均资产收益率、资产规模等因素作为自变量,得出影响零售业务风险的因素;最后描述了商业银行零售业务风险管理对策,以期通过本文找出商业银行零售业务发展对策以及零售业务风险管理方法。本文的创新点:第一,采用定性与定量相结合的方法,引用大量数据解释风险防控及影响因素。第二,利用因子分析方法找出影响零售业务风险的主要因素,通过降维,抽取关键l大J素,集中重点防范。关键词:商业银行;零售业务;风险管理;对策建议万方数据 Astudy ofthedevelopment ofretailbusiness mercial bank and riskmanagement Abstract In recent years,as the domestic retailbanking market ensuring the capitaladequacy mercial banks adjust and optimize the structure ofbusiness considerations,have focus on theretailbusiness as astrategic retail financialproducts,increase marketing,provide awide range ofcustomized services and achieved some order tomake our retail business to reach the intemational advanced level,we must take development ofretailbanking study has certain practical thedevelopment ofthe retailbanking,risk we have get some achievement inRetailRisk Management,we alsohave alarge gap between our country and risk warning,risk e thefoCHSofretailbanking rapid development. This paper iSdivided into introduced thebasic content ofretail the reader have an understanding by the scholars al】around theworld introduced thedevelopment ofthe retailbusiness and retail banking risks merciaI the current situation of the development of retail problems encountered and then through thefactoranalysis,building aretailbank