最新【精品】范文参考文献专业论文WaxorWaneinRetailBankingWaxorWaneinRetailBankingInthefirsthalfof2013，thede-creaseinnetprofitsdidnotonlyoccurtoChinesebanks，butalsowarnedtheChinesebranchesofseveralforeignbanks.Theunderperformance，aswellasthegreatnumberoflimitationsandthesmallnumberofbusinessspots，forcedforeignbankstoadjusttheiroperatingstrategiesinChina.Forexample，somebanksrepresentedbyDeutscheBankreducedorevenclosedtheirretailbusinesswhilesomealteredtheretailstrategiesbasedontheirownoperatingconditions.Cutoff“Tails”toSurviveWhentheinterestrateismorelikelytobemarket-oriented，severalnewfieldsinChinaaregoingtobeopentoforeignbanks.Thosewell-establishedfinancialgiantsthathaveaccumulatedalotofexperienceswilldoubtlesslybecomemorecompetitiveinChina.Chinesebanks，reversely，willlooseabitoftheiradvantagesandfaceagreatchallenge.Butbeforethegoodwishreallycomestrue，foreignbankswereatfirstmetwithaseriesofchallenges.InAugust，DeutscheBankcloseditsBeijingHuamaoBranch，itslastbranchinChinathatwasstillengagedinretailbusiness.Fromthenon，DeutscheBankofficiallyquitteditsretailbusinessinChina.DeutscheBankisnottheonlyforeignbankthathaswithdrawnfromtheretailbusinessinChina.Aftertheoutbreakoffinancialcrisis，foreignbanks，whichweretheprimaryvictimsofthecrisis，launchedworldwidestrategiesofshrinkingtheirbusiness.TheEuropeanbanks，whichwereimpactedbyboththefinancialcrisisandEuropeandebtcrisis，weremorespecificallyinthereorganizationofassetsandadjustmentofstrategies.PriortoDeutscheBank，RoyalBankofScotlandfullyquittedtheretailbankingbusinessinChinaandcommitteditselftoonlytheenterprisecustomersandwholesalebusiness.InMarch2007，DeutscheBankopenedtworetailbanksinBeijingandShanghaiandappliedforthequalificationasthelocallegalrepresentative.WiththatitofficiallylaunchedtheretailbankingbusinessinChina，involvingtheservicesofprivatebanking，personalcreditandfinancialservicesforindustrialandcommercialenterprises.Atthattime，DeutscheBankstillhadtheambitionofbuildingtheretailbanksinChinainto“comprehensiveandallroundbanks”.Ho