retail bank

JP Morgan Chase's plan to buy Bank One highlights the desire for financial services companies to bulk up their retail banking businesses, but what does it mean for investment banking?

摩根大通收购第一银行的计划突出表明，金融服务公司渴望扩充零售银行业务，但这对投资银行业务又意味着什么呢？

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But is a Wall Street whizz the best person to run a wholesale and retail bank that employs 350000 people?

但一位华尔街怪才是管理拥有35万员工的批发和零售银行的最佳人选吗？

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Retail Bank operation is a Tactic Emphasis in the Development of Modern Merchant bank

零售银行业务：现代商业银行发展的战略重点

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The squeeze has spread to retail banks: Greek bank alpha lost 5 per cent of its deposits in the third quarter.

紧缩已扩散到了零售银行：希腊阿尔法银行（alpha）第三季度存款总额减少了5%。

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Vikram Pandit, chief executive, said yesterday that the struggling US retail bank, which barely broke even in the fourth quarter, remained a core business.

首席执行官潘伟迪（vikram pandit）昨日表示，尽管美国零售银行业务举步维艰，第四季度勉强实现盈亏平衡，但它仍是该行的一项核心业务。

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HSBC is to close down its retail operations in Russia, making it the second foreign bank to leave the state-dominated sector in as many months.

汇丰（HSBC）将关闭在俄罗斯的零售银行业务，这是多月以来第二家离开这个由俄罗斯国家主导的行业的外国银行。

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Deutsche Bank currently owns 29.95 % of Postbank, which runs Germany's largest retail banking network.

德意志银行现拥有邮政银行29.95%的股权.邮政银行拥有德国最大的零售银行业务网.

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But persistent inflationary pressure has forced the Reserve Bank of India, the central bank, to keep interest rates high, which in turn has hit retail credit, from home loans to car and unsecured personal loans.

但持续的通胀压力已迫使印度央行（reserve bank of india）保持高利率水平，因而对零售信贷业包括房屋按揭、车贷及无抵押个人贷款构成了打击。

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The problem is that, internally logical as all this may be, it means that any retail bank that elects to go universal is likely to end up as essentially an investment bank run by an investment banker, with a deposit-gathering branch network tacked on the side.

问题在于，这一切的内在逻辑或许意味着，任何一家选择成为综合性银行的零售银行，最终可能实际上会成为一家由投资银行家经营的投资银行，收集存款的分支网络则变成了副业。

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I continue to believe ring-fenced retail banking would have to restrict the assets that a retail bank could hold as well as the activities it could engage in.

我仍然相信，要限定零售银行业，就必须限定零售银行可以持有的资产及可以从事的活动。

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At RBS, the vision was a global investment bank within a global retail bank.

苏格兰皇家银行(RBS)的愿景是在一家全球性零售银行内缔造一家全球性投行.

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The deal marks a departure from a previous strategy by most Chinese banks such as ICBC, Bank of China and China Construction Bank to mostly concentrate on corporate and retail banking in the UK.

此次的交易标志着，工行、中国银行（Bank of CHina）、中国建设银行（China Construction Bank）等大多数中资银行抛弃了早先的战略，集中精力在英开展公司银行及零售银行业务。

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Although Barclays still favours a universal banking model, this move would make it easier to ring-fence the retail bank and its insured depositors.

虽然巴克莱仍然偏好统一银行业务模式，此举会使该行更容易限制零售银行和存款保险的资金用途。

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