2012年二季度目录第一部分对公业务产品竞争力分析....................................................................................3一、本季度商业银行对公业务特征综述........................................................................3（一）存款业务特征综述........................................................................................3（二）贷款业务特征综述........................................................................................3（二）中间业务特征综述........................................................................................5二、本季度大型商业银行对公产品竞争力分析............................................................6（一）工商银行对公产品竞争力分析....................................................................6（二）建设银行对公产品竞争力分析..................................................................15（三）中国银行对公产品竞争力分析..................................................................24（四）农业银行对公产品竞争力分析..................................................................29（五）交通银行对公产品竞争力分析..................................................................32三、本季度中小型商业银行对公产品竞争力分析......................................................36（一）招商银行对公产品竞争力分析..................................................................36（二）浦发银行对公产品竞争力分析..................................................................41（三）中信银行对公产品竞争力分析..................................................................48（四）民生银行对公产品竞争力分析..................................................................53（五）光大银行对公产品竞争力分析..................................................................57（六）华夏银行对公产品竞争力分析..................................................................62第二部分个人业务产品竞争力分析..................................................................................73一、本季度商业银行个人业务特征综述......................................................................73（一）个人理财业务竞争力整体情况..................................................................74（二）个人贷款业务竞争力整体情况..................................................................77（三）个人银行卡业务竞争力整体情况..............................................................77二、本季度大型商业银行个人产品竞争力分析..........................................................78（一）工商银行个人产品竞争力分析..................................................................78（二）建设银行个人产品竞争力分析..................................................................83（三）农业银行个人产品竞争力分析..................................................................91（四）中国银行个人产品竞争力分析..................................................................96（五）交通银行个人产品竞争力分析................................................................100三、本季度股份制商业银行个人产品竞争力分析....................................................104（一）招商银行个人产品竞争力分析................................................................105（二）民生银行个人产品竞争力分析................................................................110（三）中信银行个人产品竞争力分析..................
