文档介绍：Section 5 Section 5 Functions of retail banks Functions of retail banks 零售银行的职能零售银行的职能本章教材内容过少,请同学们用五分钟时间快速浏览本章教材内容过少,请同学们用五分钟时间快速浏览 page 188 page 188 前节回顾前节回顾 Provides an overview of the retail bank Provides an overview of the retail bank in the UK in the UK ?? Function Function ?? Products Products ?? Services Services ??注:本案各业务分类均为最常见注:本案各业务分类均为最常见的普通分类! 的普通分类! Who are your customers Who are your customers ? ? Banks Banks ? ? ? ? ? ? Banks are often placed into two categories Banks are often placed into two categories 商业银行分两类商业银行分两类( Commercial ) Banks ( Commercial ) Banks retail bank retail bank retail bank wholesale bank wholesale bank wholesale bank Target clients of retail banks Target clients of retail banks 目标客户目标客户 Retail Banks Retail Banks Target clients: 1. Individuals 2. Households 3. SMEs Target clients: 1. Individuals 2. Households 3. SMEs Services of retail banks Services of retail banks 你熟悉的零售银行业务你熟悉的零售银行业务 Retail Banks Retail Banks 1. Savings and checking accounts 2. Mortgages 3. Personal loans 4. Debit cards 5. Credit cards and so on. 1. Savings and checking accounts 1. Savings and checking accounts 2. Mortgages 2. Mortgages 3. Personal loans 3. Personal loans 4. Debit cards 4. Debit cards 5. Credit cards and so on. 5. Credit cards and so on. Developing Trend of Retail Banking Business Developing Trend of Retail Banking Business 零售银行的发展趋势零售银行的发展趋势?? International trend International trend –– Since the late 1990s. Since the late 1990s. ?? Domestic trend Domestic trend –– Since 2006 Since 2006 . . 1. 1. the retail business are playing an increasingly the retail business are playing an increasingly important part in international banking industry important part in international banking industry . . 2. 2. The retail banking business is an important The retail banking business is an important source of bank revenue. source of bank revenue. 3. 3. Retail banking is the de