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新兴国(家emergingcountries)居民消费的持续增长和零售银行业务的快速发展,目前已成为全球银行业普遍关注的焦点,被认为是决定各国银行业未来竞争实力的战略“制高点”之一。本文列举了巴西、俄罗斯、印度和中国等所谓BRIC(以上四国首写字母的组合)国家零售银行业务发展的实例,广泛引征了全国权威评级机构、投资管理及咨询机构对新兴国家零售银行业务发展前景、策略与问题的分析判断,展示了当前全球银行业对新兴国家零售银行业务发展的基本看法。对我行未来零售银行业务发展,颇具参考价值。现全文译出,分上、下两篇发表,供读者参考。
The continued growth of consumer spending and the rapid development of retail banking business in emerging countries have now become the focus of global banking industry’s attention and are considered as one of the “strategic highs” that determine the future competitiveness of banking in various countries. This article lists examples of the development of the national retail banking business in the so-called BRIC (a combination of the above four capitals) in Brazil, Russia, India and China, and widely cited the influence of the national authoritative rating agencies, investment management and advisory agencies on the development of retail banking in emerging countries Development prospects, strategies and issues analysis shows that the current global banking industry in emerging countries, the basic concept of retail banking business development. The Bank’s future retail banking business development, quite a reference value. The full text is translated, points, the next two articles for readers reference.